2022 Q4 Form 20-F Financial Statement
#000031206923000046 Filed on February 15, 2023
Income Statement
| Concept | 2022 Q4 | 2022 | 2021 Q4 |
|---|---|---|---|
| Revenue | |||
| YoY Change | |||
| Cost Of Revenue | |||
| YoY Change | |||
| Gross Profit | |||
| YoY Change | |||
| Gross Profit Margin | |||
| Selling, General & Admin | 2.446B gbps | ||
| YoY Change | 14.46% | ||
| % of Gross Profit | |||
| Research & Development | |||
| YoY Change | |||
| % of Gross Profit | |||
| Depreciation & Amortization | $1.786B | ||
| YoY Change | -13.97% | ||
| % of Gross Profit | |||
| Operating Expenses | 2.446B gbps | ||
| YoY Change | 14.46% | ||
| Operating Profit | |||
| YoY Change | |||
| Interest Expense | 8.524B gbps | ||
| YoY Change | 169.15% | ||
| % of Operating Profit | |||
| Other Income/Expense, Net | |||
| YoY Change | |||
| Pretax Income | $3.279B | $7.012B | $3.435B |
| YoY Change | -4.54% | -16.66% | 91.58% |
| Income Tax | $216.0M | $1.039B | $429.0M |
| % Of Pretax Income | 6.59% | 14.82% | 12.49% |
| Net Earnings | $2.548B | 5.973B gbps | $2.978B |
| YoY Change | -14.44% | -16.8% | 136.16% |
| Net Earnings / Revenue | |||
| Basic Earnings Per Share | |||
| Diluted Earnings Per Share | $0.15 | $0.30 | $172.8K |
| COMMON SHARES | |||
| Basic Shares Outstanding | 15.87B shares | ||
| Diluted Shares Outstanding |
Balance Sheet
| Concept | 2022 Q4 | 2022 | 2021 Q4 |
|---|---|---|---|
| SHORT-TERM ASSETS | |||
| Cash & Short-Term Investments | |||
| YoY Change | |||
| Cash & Equivalents | |||
| Short-Term Investments | |||
| Other Short-Term Assets | |||
| YoY Change | |||
| Inventory | |||
| Prepaid Expenses | |||
| Receivables | |||
| Other Receivables | |||
| Total Short-Term Assets | |||
| YoY Change | |||
| LONG-TERM ASSETS | |||
| Property, Plant & Equipment | $3.616B | $3.611B | $3.555B |
| YoY Change | 1.72% | 1.78% | -11.92% |
| Goodwill | 3.912B gbps | 3.893B gbps | |
| YoY Change | 0.49% | ||
| Intangibles | |||
| YoY Change | |||
| Long-Term Investments | $922.0M | $922.0M | $999.0M |
| YoY Change | -7.71% | -7.71% | 27.91% |
| Other Assets | $11.73B | $11.73B | $8.498B |
| YoY Change | 38.08% | 38.08% | 61.62% |
| Total Long-Term Assets | |||
| YoY Change | |||
| TOTAL ASSETS | |||
| Total Short-Term Assets | |||
| Total Long-Term Assets | |||
| Total Assets | 1514B gbps | $1514B | $1384B |
| YoY Change | 9.35% | 9.35% | 2.58% |
| SHORT-TERM LIABILITIES | |||
| YoY Change | |||
| Accounts Payable | $7.870B | ||
| YoY Change | 64.2% | ||
| Accrued Expenses | $4.618B | ||
| YoY Change | 10.66% | ||
| Deferred Revenue | |||
| YoY Change | |||
| Short-Term Debt | $124.0B | $124.0B | $107.7B |
| YoY Change | 15.09% | 15.09% | 8.16% |
| Long-Term Debt Due | $58.52B | ||
| YoY Change | 20.91% | ||
| Total Short-Term Liabilities | $580.0M | $71.59B | $739.0M |
| YoY Change | -21.52% | 23.2% | 14.57% |
| LONG-TERM LIABILITIES | |||
| Long-Term Debt | $124.3B | $67.00B | $111.6B |
| YoY Change | 11.36% | 3.81% | 21.15% |
| Other Long-Term Liabilities | $649.8B | $636.1B | $574.5B |
| YoY Change | 13.1% | 12.73% | -5.69% |
| Total Long-Term Liabilities | $774.1B | $703.1B | $686.1B |
| YoY Change | 12.82% | 11.82% | -2.17% |
| TOTAL LIABILITIES | |||
| Total Short-Term Liabilities | $580.0M | $71.59B | $739.0M |
| Total Long-Term Liabilities | $774.1B | $703.1B | $686.1B |
| Total Liabilities | 1444B gbps | $1445B | $1315B |
| YoY Change | 9.84% | 9.91% | 2.44% |
| SHAREHOLDERS EQUITY | |||
| Retained Earnings | |||
| YoY Change | |||
| Common Stock | |||
| YoY Change | |||
| Preferred Stock | |||
| YoY Change | |||
| Treasury Stock (at cost) | |||
| YoY Change | |||
| Treasury Stock Shares | |||
| Shareholders Equity | $68.29B | $68.29B | $69.22B |
| YoY Change | |||
| Total Liabilities & Shareholders Equity | $1514B | $1514B | $1384B |
| YoY Change | 9.35% | 9.35% | 2.58% |
Cashflow Statement
| Concept | 2022 Q4 | 2022 | 2021 Q4 |
|---|---|---|---|
| OPERATING ACTIVITIES | |||
| Net Income | $2.548B | 5.973B gbps | $2.978B |
| YoY Change | -14.44% | -16.8% | 136.16% |
| Depreciation, Depletion And Amortization | $1.786B | ||
| YoY Change | -13.97% | ||
| Cash From Operating Activities | -$32.02B | $30.23B | $9.979B |
| YoY Change | -420.9% | -38.2% | 325.73% |
| INVESTING ACTIVITIES | |||
| Capital Expenditures | $1.746B | ||
| YoY Change | -201.51% | ||
| Acquisitions | |||
| YoY Change | |||
| Other Investing Activities | -$6.734B | -$19.93B | $7.659B |
| YoY Change | -187.92% | -432.67% | -1539.66% |
| Cash From Investing Activities | -$6.734B | -$21.67B | $7.659B |
| YoY Change | -187.92% | -607.56% | -1539.66% |
| FINANCING ACTIVITIES | |||
| Cash Dividend Paid | |||
| YoY Change | |||
| Common Stock Issuance & Retirement, Net | |||
| YoY Change | |||
| Debt Paid & Issued, Net | |||
| YoY Change | |||
| Cash From Financing Activities | 6.196B | 696.0M | 2.669B |
| YoY Change | 132.15% | 550.47% | -765.59% |
| NET CHANGE | |||
| Cash From Operating Activities | -32.02B | 30.23B | 9.979B |
| Cash From Investing Activities | -6.734B | -21.67B | 7.659B |
| Cash From Financing Activities | 6.196B | 696.0M | 2.669B |
| Net Change In Cash | -32.56B | 9.254B | 20.31B |
| YoY Change | -260.34% | -82.64% | 1339.19% |
| FREE CASH FLOW | |||
| Cash From Operating Activities | -$32.02B | $30.23B | $9.979B |
| Capital Expenditures | $1.746B | ||
| Free Cash Flow | $28.49B | ||
| YoY Change | -43.75% |
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Disclosure Of Objectives Policies And Processes For Managing Capital Explanatory
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<div style="margin-bottom:3pt;margin-top:3pt"><span id="ib4a3ffb70b0e400b80f9eb5734c9d983_10509"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Credit risk management (audited)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The risk of loss to the Group from the failure of clients, customers or counterparties, including sovereigns, to fully honour their obligations to the Group, including the whole and timely payment of principal, interest, collateral and other receivables.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Overview</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The credit risk that the Group faces arises from wholesale and retail loans and advances together with the counterparty credit risk arising from derivative contracts with clients; trading activities, including: debt securities, settlement balances with market counterparties, fair value through other comprehensive income (FVOCI) assets and reverse repurchase loans.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit risk management objectives are to:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">maintain a framework of controls to oversee credit risk</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">identify, assess and measure credit risk clearly and accurately across the Group and within each separate business, from the level of individual facilities up to the total portfolio</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">control and plan credit risk taking in line with external stakeholder expectations and avoiding undesirable concentrations</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">monitor credit risk and adherence to agreed controls.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Organisation, roles and responsibilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The first line of defence has primary responsibility for managing credit risk within the risk appetite and limits set by the Risk function, supported by a defined set of policies, standards and controls. In the entities, business risk committees (attended by the first line) monitor and review the credit risk profile of each business unit where the most material issues are escalated to the Retail Credit Risk Management Committee, Wholesale Credit Risk Management Committee and Group Risk Committee.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%">Wholesale and retail portfolios are managed separately to reflect the differing nature of the assets; wholesale balances tend to be larger and are managed on an individual basis, while retail balances are greater in number but lesser in value and are, therefore, managed in aggregated segments.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The responsibilities of the credit risk management teams in the businesses, the sanctioning team and other shared services include: sanctioning new credit agreements (principally wholesale); setting strategies for approval of transactions (principally retail); setting risk appetite; monitoring risk against limits and other parameters; maintaining robust processes, data gathering, quality, storage and reporting methods for effective credit risk management; performing effective turnaround and workout scenarios for wholesale portfolios via dedicated restructuring and recoveries teams; maintaining robust collections and recovery processes/units for retail portfolios; and review and validation of </span></div><div style="display:inline-block;vertical-align:top;width:31.842%"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">credit risk measurement models. The credit risk management teams in each legal entity are accountable to the relevant Legal Entity CRO, who reports to the Group CRO.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For wholesale portfolios, credit risk managers are organised in sanctioning teams by geography, industry and/or product. In wholesale portfolios, credit risk approval is undertaken by experienced credit risk professionals operating within a clearly defined delegated authority framework, with only the most senior credit officers assigned the higher levels of delegated authority. The largest credit exposures, which are outside the Risk Sanctioning Unit or Risk Distribution Committee authority, require the support of a legal entity Senior Credit Officer. For exposures in excess of the legal entity Senior Credit Officer’s authority, approval by Group Senior Credit Officer/Board Risk Committee is also required. The Group Credit Risk Committee, attended by legal entity Senior Credit Officers, provides a formal mechanism for the Group Senior Credit Officer to exercise the highest level of credit authority over the most material Group single name exposures. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Credit risk mitigation</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group employs a range of techniques and strategies to actively mitigate credit risks. These can broadly be divided into three types:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">netting and set-off</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">collateral</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">risk transfer.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Netting and set-off</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit risk exposures can be reduced by applying netting and set-off. For derivative transactions, the Group’s normal practice is, on a legal entity basis, to enter into standard master agreements with counterparties (e.g. ISDAs). These master agreements typically allow for netting of credit risk exposure to a counterparty resulting from derivative transactions against the obligations to the counterparty in the event of default, and so produce a lower net credit exposure. These agreements may also reduce settlement exposure (e.g. for foreign exchange transactions) by allowing payments on the same day in the same currency to be set-off against one another.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Collateral</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group has the ability to call on collateral in the event of default of the counterparty, comprising:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">home loans: a fixed charge over residential property in the form of houses, flats and other dwellings</span></div></div><div style="display:inline-block;max-width:2.236%;min-width:1.736%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:31.842%"><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">wholesale lending: a fixed charge over commercial property and other physical assets, in various forms</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">other retail lending: includes charges over motor vehicles and other physical assets; second lien charges over residential property; and finance lease receivables</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">derivatives: the Group also often seeks to enter into a margin agreement (e.g. Credit Support Annex) with counterparties with which the Group has master netting agreements in place. These annexes to master agreements provide a mechanism for further reducing credit risk, whereby collateral (margin) is posted on a regular basis (typically daily) to collateralise the mark to market exposure of a derivative portfolio measured on a net basis</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">reverse repurchase agreements: collateral typically comprises highly liquid securities which have been legally transferred to the Group subject to an agreement to return them for a fixed price</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">financial guarantees and similar off-balance sheet commitments: cash collateral may be held against these arrangements.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Risk transfer</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A range of instruments including guarantees, credit insurance, credit derivatives and securitisation can be used to transfer credit risk from one counterparty to another. These mitigate credit risk in two main ways:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">if the risk is transferred to a counterparty which is more creditworthy than the original counterparty, then overall credit risk is reduced</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">where recourse to the first counterparty remains, both counterparties must default before a loss materialises. This is less likely than the default of either counterparty individually so credit risk is reduced.</span></div><div style="padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.354%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:88.446%"/><td style="width:0.1%"/></tr><tr style="height:17pt"><td colspan="3" style="background-color:#2babe3;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Effra Medium',sans-serif;font-size:14pt;font-weight:400;line-height:120%">+</span></td><td colspan="3" rowspan="2" style="background-color:#ebf4f7;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Detailed policies are in place to appropriately recognise and record credit risk mitigation. For more information, </span><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">refer to pages 118 to 120 of the Barclays PLC Pillar 3 Report 2022 (unaudited).</span></div></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Governance and oversight of ECLs under IFRS 9</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s organisational structure and internal governance processes oversee the estimation of ECL across several areas, including: i) setting requirements in policy, including key assumptions and the application of key judgements; ii) the design and execution of models; and iii) review of ECL results.</span></div></div><div style="display:inline-block;max-width:2.236%;min-width:1.736%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:31.844%"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">i) Impairment policy requirements are set and reviewed regularly, at a minimum annually, to maintain adherence to accounting standards. Key judgements inherent in policy, including the estimated life of revolving credit facilities and the quantitative criteria for assessing the significant increase in credit risk (SICR), are separately supported by analytical study. In particular, the quantitative thresholds used for assessing SICR are subject to a number of internal validation criteria, particularly in retail portfolios where thresholds decrease as the origination Probability of Default (PD) of each facility increases. Key policy requirements are also typically aligned to the Group’s credit risk management strategy and practices, for example, wholesale customers that are risk managed on an individual basis are assessed for ECL on an individual basis upon entering Stage 3; furthermore, key internal risk management indicators of high risk are used to set SICR policy, for example, retail customers identified as high risk account management are automatically deemed to have met the SICR criteria.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ii) ECL is estimated in line with internal policy requirements using models which are validated by a qualified independent party to the model development area, the Independent Validation Unit (IVU), before first use and on a regular basis, at a minimum every three years. Each model is designated an owner who is responsible for:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">model maintenance: monitoring of model performance including backtesting by comparing predicted ECL versus flow into stage 3 and coverage ratios; proposing material changes for independent IVU approval; and recalibrating model parameters on more timely data </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">proposing post-model adjustments (PMA) to address model weaknesses or to</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">account for situations where known or expected risk factors and information have not been considered in the modelling process. All PMAs relating to model deficiencies, regardless of value are approved by IVU for a set time period. PMAs representing Expert Judgement are validated by Risk, as the second line of defence and approved for a set time period. The most material PMAs are also approved by the CRO.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Models must also assess ECL across a range of future economic conditions. These economic scenarios are generated via an independent model and ultimately set by the Senior Scenario Review </span></div></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Committee. Economic scenarios are regenerated at a minimum twice annually but more frequently if deemed appropriate, and also to align with the Group’s medium term planning exercise. Each model used in the estimation of ECL, including key inputs, are governed by a series of internal controls, which include the validation of completeness and accuracy of data in golden source systems, documented data transformations and documented lineage of data transfers between systems.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">i) The Group Impairment Committee, formed of members from both Finance and Risk and attended by both the Group Finance Director and the Group CRO, is responsible for overseeing impairment policy and practice across the Group and will approve impairment results. Reported results and key messages are communicated to the BAC, which has an oversight role and provides challenge of key assumptions, including the basis of the scenarios adopted. Impairment results are then factored into management decision making, including but not limited to, business planning, risk appetite setting and <span id="ib4a3ffb70b0e400b80f9eb5734c9d983_10511"/>portfolio management.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Market risk management (audited)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The risk of loss arising from potential adverse changes in the value of the Group’s assets and liabilities from fluctuation in market variables including, but not limited to, interest rates, foreign exchange, equity prices, commodity prices, credit spreads, implied volatilities and asset correlations.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Overview</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Market risk arises primarily as a result of client facilitation in wholesale markets, involving market-making activities, risk management solutions and execution of syndications. Upon execution of a trade with a client, the Group will look to hedge against the risk of the trade moving in an adverse direction. Mismatches between client transactions and hedges result in market risk due to changes in asset prices, volatility or correlations. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Organisation, roles and responsibilities </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Market risk in the businesses resides primarily in Barclays International and Treasury. These businesses have the mandate to assume market risk. The front office and Treasury trading desks are responsible for managing market risk on a day-to-day basis, where they are required to understand and adhere to all limits applicable to their businesses. The Market Risk team supports the trading desks with </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">the day-to-day limit management of market risk exposures through governance processes which are outlined in supporting market risk policies and standards.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Market risk oversight and challenge is provided by business committees and Group committees, including the Market Risk Committee (MRC).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The objectives of market risk management are to: </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">identify, understand and control market risk by robust measurement, limit setting, reporting and oversight</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">facilitate business growth within a controlled and transparent risk management framework</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">control market risk in the businesses according to the allocated appetite.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">To meet the above objectives, a governance structure is in place to manage these risks consistent with the ERMF. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The BRC recommends market risk appetite to the Board for their approval. The Market Risk Principal Risk Lead (PR Lead) is responsible for the Market Risk Control Framework and, under delegated authority from the Group CRO, agrees with the business CROs a limit framework within the context of the approved market risk appetite.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Market Risk Committee (MRC) reviews and makes recommendations concerning the group-wide market risk profile. This includes overseeing the operation of the Market Risk Framework and associated policies and standards, monitoring market and regulatory changes, and reviewing limit utilisation levels</span><span style="color:#ff0090;font-family:'Expert Sans Regular',sans-serif;font-size:8pt;font-weight:400;line-height:120%">.</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> The committee is chaired by the PR Lead and attendees include the business heads of market risk and business aligned market risk managers.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition to MRC, the Corporate and Investment Bank Risk Committee (‘CIBRC’) is the main forum in which market risk exposures are discussed and reviewed with senior business heads. The Committee is chaired by the CRO of Barclays International and meets weekly, covering current market events, notable market risk exposures, and key risk topics. New business initiatives are generally socialised at CIBRC before any changes to risk appetite or associated limits are considered in other governance committees.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The head of each business is accountable for all market risks associated with its activities, while the head of the market risk team covering each business is </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">responsible for implementing the risk control framework for market risk.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For more information on market risk management, refer to the Barclays PLC Pillar 3 Report 2022 (unaudited).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Management value at risk (VaR)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">VaR is an estimate of the potential loss arising from unfavourable market movements if the current positions were to be held unchanged for one business day. For internal market risk management purposes, a historical simulation methodology with a one-year equally weighted historical period, at the 95% confidence level is used for all trading books and some banking books.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Limits are applied at the total level as well as by risk factor type, which are then cascaded down to particular trading desks and businesses by the market risk management function.</span></div><div style="padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.847%"><tr><td style="width:1.0%"/><td style="width:11.199%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:86.601%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#2babe3;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#ffffff;font-family:'Effra Medium',sans-serif;font-size:14pt;font-weight:400;line-height:120%">+</span></td><td colspan="3" style="background-color:#ebf4f7;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">See the market risk performance section </span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">for a review of management VaR.</span></div></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Treasury and capital risk management</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">This comprises:</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Liquidity risk: The risk that the Group is unable to meet its contractual or contingent obligations or that it does not have the appropriate amount, tenor and composition of funding and liquidity to support its assets.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Capital risk: The risk that the Group has an insufficient level or composition of capital to support its normal business activities and to meet its regulatory capital requirements under normal operating environments and stressed conditions (both actual and as defined for internal planning or regulatory testing purposes). This also includes the risk from the Group’s pension plans.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest rate risk in the banking book: The risk that the Group is exposed to capital or income volatility because of a mismatch between the interest rate exposures of its (non-traded) assets and liabilities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Treasury function manages treasury and capital risk exposure on a day-to-day basis with the Group Treasury Committee acting as the principal management body. The Treasury and Capital Risk function is responsible for oversight and provides insight into key capital, liquidity, interest rate risk in the banking book (IRRBB) and pension risk management activities.</span></div><div style="display:inline-block;vertical-align:top;width:31.842%"><div style="margin-bottom:3pt;margin-top:3pt"><span id="i46afeb05d3df4b66b81bf7c09729eb10_8916"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Liquidity risk management (audited)</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Overview</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The efficient management of liquidity is essential to the Group in order to retain the confidence of the financial markets and maintain the sustainability of the business. Treasury and Capital Risk have created a framework to manage all liquidity risk exposures under both normal and stressed conditions. The framework is designed to maintain liquidity resources that are sufficient in amount, quality and funding tenor profile to remain within the liquidity risk appetite as expressed by the Barclays PLC Board. The liquidity risk appetite is monitored against both internal and regulatory liquidity metrics.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Organisation, roles and responsibilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Treasury has the primary responsibility for managing liquidity risk within the set risk appetite. Both Risk and Treasury contribute to the production of the Internal Liquidity Adequacy Assessment Process (ILAAP). The Treasury and Capital Risk function is responsible for the management and governance of the liquidity risk mandate, as defined by the Board. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The framework established by Treasury and Capital Risk is designed to deliver the appropriate term and structure of funding, consistent with the liquidity risk appetite set by the Board. The framework incorporates a range of ongoing business management tools to monitor, limit and stress test the Group’s balance sheet, contingent liabilities and the recovery plan. Limit setting and transfer pricing are tools designed to control the level of liquidity risk taken and drive the appropriate mix of funds. Adherence to limits reduces the likelihood that a liquidity stress event could lead to an inability to meet Group’s obligations as they fall due.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Board approves the Group funding plan, internal stress tests, regulatory stress test results, recovery plan and liquidity risk appetite. The Group Treasury Committee is responsible for monitoring and managing liquidity risk in line with the Group’s funding management objectives, funding plan and risk appetite. The Treasury and Capital Risk Committee monitors and reviews the liquidity risk profile and control environment, providing second line oversight of the management of liquidity risk. The BRC reviews the risk profile, and reviews liquidity risk appetite at least annually and the impact of stress scenarios on the Group funding plan/forecast in order to agree the Group’s projected funding abilities.</span></div></div><div style="display:inline-block;max-width:2.236%;min-width:1.736%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:31.842%"><div style="margin-bottom:3pt;margin-top:3pt"><span id="i46afeb05d3df4b66b81bf7c09729eb10_8911"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Capital risk management (audited)</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Overview</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Capital risk is managed through ongoing monitoring and management of the capital position, regular stress testing and a robust capital governance framework. The objectives of the framework are to maintain adequate capital for the Group and legal entities to withstand the impact of the risks that may arise under normal and stressed conditions, and maintain adequate capital to cover current and forecast business needs and associated risks to provide a viable and sustainable business offering.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Organisation, roles and responsibilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Treasury has the primary responsibility for managing and monitoring capital adequacy. The Treasury and Capital Risk function provides oversight of capital risk. Production of the Barclays PLC Internal Capital Adequacy Assessment Process (ICAAP) is the responsibility of Treasury.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Capital risk management is underpinned by a control framework and policy. The capital management strategy, outlined in the Group and legal entity capital plans, is developed in alignment with the control framework and policy for capital risk, and is implemented consistently in order to deliver on the Group’s objectives.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Board approves the Group capital plan, internal stress tests and results of regulatory stress tests, and the Group recovery plan. The Group Treasury Committee is responsible for monitoring and managing capital risk in line with the Group’s capital management objectives, capital plan and risk frameworks. The Treasury and Capital Risk Committee monitors and reviews the capital risk profile and control environment, providing second line oversight of the management of capital risk. The BRC reviews the risk profile, and reviews risk appetite at least annually and the impact of stress scenarios on the Group capital plan/forecast in order to agree the Group’s projected capital adequacy. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Local management assures compliance with an entity’s minimum regulatory capital requirements by reporting to local Asset and Liability Committees (ALCOs) with oversight by the Group Treasury Committee, as required. In 2022, Barclays complied with all regulatory minimum capital requirements.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Pension risk</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group maintains a number of defined benefit pension schemes for past and current employees. The ability of schemes </span></div></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">to meet pension payments is achieved with investments and contributions.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pension risk arises because the market value of pension fund assets might decline; investment returns might reduce; or the estimated value of pension liabilities might increase. The Group monitors the pension risks arising from its defined benefit pension schemes and works with the relevant pension fund’s trustees to address shortfalls. In these circumstances, the Group could be required or might choose to make extra contributions to the pension fund. The Group’s main defined benefit scheme was closed to new entrants in 2012. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:32.386%"><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:49.269%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.176%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maximum exposure and effects of netting, collateral and risk transfer (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maximum exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Netting and set-off</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash collateral</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-cash collateral</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Risk transfer</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173,770 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(328)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(173,308)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,704 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,220)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,161)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(243)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,080 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,305 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,442)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(660)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(61,335)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17,367)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,501 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,442)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,208)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238,804)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17,708)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135,617 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which credit-impaired (Stage 3):</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,000 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,996)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">844 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(323)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">486 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,023 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(742)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(709)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">566 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total credit-impaired loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,867 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,061)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(712)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,055 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(776)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,475 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(530)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,945 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,198 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(250)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,900 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,673 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(780)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67,845 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,429 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31,544)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,859 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,249 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,928 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,672)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(160,347)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207,477 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,689)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(192,212)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,567 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238,337)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,547)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,434)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,275)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,787 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,054 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(222)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(711)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,121 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,413,743 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(242,779)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40,444)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(444,228)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(25,751)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">660,541 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,295)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,596)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(280)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">395,508 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(129)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41,917)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,666)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">351,796 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">419,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,424)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(43,513)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,946)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372,830 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,833,456 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(242,779)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41,868)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(487,741)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,697)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033,371 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></div><div style="display:inline-block;max-width:1.419%;min-width:0.919%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:32.386%"/><div style="display:inline-block;max-width:1.419%;min-width:0.919%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:32.390%"/></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Off-balance sheet exposures are shown gross of provisions of</span><span style="background-color:#ffffff;color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> £583m (2021: £542m</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">)</span><span style="background-color:#ffffff;color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">. See Note 25 for further details. In addition to the above, the Group holds forward starting reverse repos with notional contract amounts of £48.4bn (2021: £39.3bn). These balances are fully collateralised. Wholesale loans and advances at amortised cost include £8bn (2021: £11.4bn) of BBLS, CBILS and CLBILS supported by UK government guarantees of £7.6bn (2021: £11bn), which are included within the Risk transfer column in the table. For further information on credit risk mitigation techniques, refer to the Credit risk management section.</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:49.269%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.176%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maximum exposure and effects of netting, collateral and risk transfer (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maximum exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Netting and set-off</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash collateral</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-cash collateral</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Risk transfer</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost:</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(339)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(168,627)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(146)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,050)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,560)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(252)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,931 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,001)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42,691)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23,104)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,529 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,001)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,517)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(215,878)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23,502)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115,553 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which credit-impaired (Stage 3):</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,725 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,714)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">828 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(229)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">567 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(717)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(765)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">678 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total credit-impaired loans and advances at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,714 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,660)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(768)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,245 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,227)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets:</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,864 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(461)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,525 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(268)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,257 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total trading portfolio assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,389 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(729)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62,660 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement:</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,667 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31,263)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,404 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,305 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(319)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,986 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,014 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,428)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(143,057)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">529 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets at fair value through the income statement</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,097 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,428)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(174,639)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,030 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(202,519)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,598)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,887)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,738)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,830 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,851 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(53)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,164)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,634 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,212 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,212 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269,915 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(207,520)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(37,543)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(400,413)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,404)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">594,035 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,346 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(906)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,367)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,817 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345,711 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(141)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44,777)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,668)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">299,125 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,057 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,047)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46,144)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,924)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317,942 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total </span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,636,972 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(207,520)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38,590)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(446,557)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32,328)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">911,977 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:3pt;margin-top:3pt"><span id="i1878aa06f7bd428eb1ea7459263ce8b8_5440"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Loans and advances at amortised cost by stage</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below presents a stage allocation and business segment analysis of loans and advances at amortised cost by gross exposure, impairment allowance, impairment charge and coverage ratio as at 31 December 2022. Also included are stage allocation of off-balance sheet loan commitments and financial guarantee contracts by gross exposure, impairment allowance and coverage as at 31 December 2022.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment allowance under IFRS 9 considers both the drawn and the undrawn counterparty exposure. For retail portfolios, the total impairment allowance is allocated to gross loans and advances to the extent allowance does not exceed the drawn exposure and any excess is reported on the liabilities side of the balance sheet as a provision. For wholesale portfolios, impairment allowance on undrawn exposure is reported on the liability side of the balance sheet as a provision.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:23.604%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost by stage (audited)</span></td></tr><tr style="height:10pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment allowance</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td></tr><tr style="height:10pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160,424 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,837 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,711 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187,972 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">718 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">485 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,435 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,537 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,735 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,399 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,793 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,927 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">392 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,200 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">949 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,541 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,386 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,644 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">252 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">661 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,557 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">359 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">386 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,171 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group retail</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197,803 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,488 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,165 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232,456 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">627 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,942 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,793 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,362 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228,094 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,858 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,954 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">805 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,617 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">334 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,283 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117,692 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,298 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,098 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,088 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">301 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">265 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">312 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">878 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132,210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group wholesale</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">152,742 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,252 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,921 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">171,915 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">374 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,230 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">170,685 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350,545 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,740 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,086 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">404,371 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,057 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,316 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,219 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,592 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet loan commitments and financial guarantee contracts</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372,945 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,694 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,180 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">404,819 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">245 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">583 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">404,236 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">723,490 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77,434 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,266 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">809,190 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,302 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,631 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,242 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,175 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">803,015 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan impairment charge and loan loss rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:13pt"><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan impairment charge/(release)</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan loss rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:10pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">bps</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">763 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group retail</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34.7 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">932 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.9 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group wholesale</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.2 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.3 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,165 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet loan commitments and financial guarantee contracts</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets subject to impairment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.1 </span></td><td style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Includes Wealth and Private Banking exposures measured on an individual customer exposure basis, and excludes Business Banking exposures, including lending under the government backed Bounce Back Loan Scheme (BBLS) of £6.6bn that are managed on a collective basis and reported within BUK Retail. The net impact is a difference in total exposure of £3.8bn of balances reported as wholesale loans in the Loans and advances at amortised cost by product disclosure.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Excludes loan commitments and financial guarantees of £14.9bn carried at fair value.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £180.1bn and impairment allowance of £163m. This comprises £10m ECL on £178.4bn Stage 1 assets, £9m on £1.5bn Stage 2 fair value through other comprehensive income assets, other assets, cash collateral and settlement assets and £144m on £149m Stage 3 other assets.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d The loan loss rate is 30bps after applying the total impairment charge of £1,220m</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:23.604%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span id="i7399c0738d2340ca9a5e6e676a1b183d_0-0-1-11-1533933"/><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost by stage (audited)</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment allowance</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160,695 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,779 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,915 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,389 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">949 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">728 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,938 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184,451 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,981 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,691 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,566 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,238 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">603 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">795 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">858 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,256 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,982 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">429 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">705 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,869 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">347 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,484 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group retail</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,411 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,899 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,186 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">221,496 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">866 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,780 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,933 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,579 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216,917 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,571 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,917 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">969 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,457 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,150 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,341 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,275 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,059 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106,675 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">458 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">837 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105,838 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">565 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">546 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group wholesale</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,454 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,194 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,049 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,697 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">340 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">235 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">588 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,163 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144,534 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318,865 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,093 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,235 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,193 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,206 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,015 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,521 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,742 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet loan commitments and financial guarantee contracts</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">312,142 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,815 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,298 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348,255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">217 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">347,713 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #545456;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">631,007 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,908 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,533 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">715,448 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,423 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,317 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,544 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,284 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">709,164 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan impairment charge and loan loss rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:13pt"><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan impairment charge</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan loss rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">bps</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.0 </span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group retail</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.3 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.5 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(197)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group wholesale</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28.7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(75)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34.8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(121)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet loan commitments and financial guarantee contracts</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(514)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets subject to impairment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.8 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(653)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Included in the above analysis are Wealth and Private Banking exposures measured on an individual customer exposure basis, and excludes Business Banking exposures including BBLS of £9.4bn that are managed on a collective basis and reported within BUK Retail. The net impact is a difference in total exposure of £6.0bn of balances reported as wholesale loans in the Loans and advances at amortised cost by product disclosure.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Excludes loan commitments and financial guarantees of £18.8bn carried at fair value.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £155.2bn and impairment allowance of £114m. This comprises £6m ECL on £154.9bn Stage 1 assets, £1m on £0.157bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement balances and £107m on £110m Stage 3 other assets.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i1878aa06f7bd428eb1ea7459263ce8b8_5431"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Loans and advances at amortised cost by product (audited)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below presents a breakdown of loans and advances at amortised cost and the impairment allowance with stage allocation by asset classification.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:40.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-top:0.5pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost by product (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Not past due</span></td><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><=30 days past due</span></td><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">>30 days past due</span></td><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153,672 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,990 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,684 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">526 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,200 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,414 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,286 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,175 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,126 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">576 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,099 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,396 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">152,698 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,194 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,441 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,550 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,689 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350,545 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,310 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,231 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,199 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,740 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,086 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">404,371 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment allowance</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">582 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,483 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,832 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,278 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,692 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">527 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,384 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,057 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,939 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,316 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,219 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,592 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net exposure</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153,643 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,937 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,673 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">517 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,127 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,000 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173,770 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,593 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,643 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">268 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">356 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,267 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">844 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,704 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">152,252 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,791 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,030 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,023 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,305 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">349,488 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,371 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,085 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">968 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,424 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,867 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Coverage ratio</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.1</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.8</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32.5</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38.2</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.6</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60.2</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.7</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.3</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.3</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,058 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,133 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,660 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">707 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,500 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,680 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,840 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,102 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">248 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,650 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,332 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,822 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132,967 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">306 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">391 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,943 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,781 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,691 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318,865 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,481 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,266 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,346 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,093 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,235 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,193 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment allowance</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">475 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">824 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,493 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,701 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,504 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,029 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">248 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">620 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,238 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,206 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,787 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,015 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,521 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,742 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net exposure</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,039 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,087 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,654 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,441 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,725 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,205 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,016 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,609 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">215 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,949 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">828 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132,604 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,998 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,688 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317,659 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,694 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,171 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,213 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,078 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,714 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Coverage ratio</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.7</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49.6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30.1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.9</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34.8</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Movement in gross exposures and impairment allowance including provisions for loan commitments and financial guarantees</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following tables present a reconciliation of the opening to the closing balance of the exposure and impairment allowance. An explanation of the methodology used to determine credit impairment provisions is included in Note 8. Transfers between stages in the tables have been reflected as if they had taken place at the beginning of the year. The movements are measured over a 12-month period.</span></div><div style="margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:36.178%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.742%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,058 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,500 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,680 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">475 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,747)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,747 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,489 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,489)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(400)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(725)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,125 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(261)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,028 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,142 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,176 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,846)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,081)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(125)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,052)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,942)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,123)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(426)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16,491)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153,672 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,200 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,414 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,286 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,840 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">824 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,650 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,701 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,332 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,504 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,822 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,029 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,474)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,474 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,941 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">489 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,941)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(489)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(649)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(707)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(307)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,356 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">327 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(112)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">769 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,265 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">489 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">137 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,246 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(887)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,199 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">736 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">787 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,624 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">636 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,996)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(341)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(228)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(60)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,565)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(159)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(275)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(169)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(463)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(184)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,287)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,287)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,287)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,287)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,175 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">582 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,099 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,832 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,278 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,396 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,692 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132,967 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,943 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,781 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">620 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,691 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,238 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,488)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,488 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,258 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,258)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(55)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,480)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(684)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,164 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(543)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,490 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,104 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">239 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,833 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(374)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(504)</span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,799 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">154 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,504)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,647 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">950 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26,540)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,812)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(232)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(57)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,584)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(146)</span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,512)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,592)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">152,698 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,441 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,550 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">527 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,689 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,384 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Business activity in the year does not include additional drawdowns on the existing facility which are reported under 'Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes'. Business activity reported within Credit cards, unsecured loans and other retail lending portfolio includes GAP portfolio acquisition in US cards of £2.7bn.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Final repayments include repayment from the facility closed during the year whereas partial repayments from existing facility are reported under 'Net drawdowns, repayments, net remeasurement and movements due to exposure and risk parameter changes'. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c In 2022, gross write-offs amounted to £1,620m (2021: £1,836m). In Q422, £329m of balances with de minimis recovery expectations were written off in line with policy in UK Cards and Unsecured loans. Post write-off recoveries amounted to £64m (2021: £66m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £1,556m (2021: £1,770m). </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £180.1bn (December 2021: £155.2bn) and impairment allowance of £163m (December 2021: £114m). This comprises £10m ECL (December 2021: £6m) on £178.4bn Stage 1 assets (December 2021: £154.9bn), £9m (December 2021: £1m) on £1.5bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2021: £157m) and £144m (December 2021: £107m) on £149m Stage 3 other assets (December 2021: £110m)</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Refinements to models used for calculation reported within Credit cards, unsecured loans and other retail lending portfolio include a £0.3bn movement in US Cards and £(0.2)bn in UK Cards. Wholesale loans include a £(0.5)bn movement in Business Banking. Refinement to models reflect model enhancements made during the year. Barclays continually review the output of models to determine accuracy of the ECL calculation including review of model monitoring, external benchmarking and experience of model operation over an extended period of time. This ensures that the models used continue to reflect the risks inherent across the businesses. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">f The £0.5bn disposals reported within Credit cards, unsecured loans and other retail lending portfolio includes £0.2bn sale of NFL portfolio within US Cards and £0.3bn of debt sales undertaken during the year. The £1.6bn disposal reported within Wholesale loans includes sale of debt securities as part of Group Treasury Operations.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">g 'Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes' reported within Wholesale loans also include assets of £1.3bn de-recognised due to payment received on defaulted loans from government guarantees issued under government’s Bounce Back Loans Scheme.</span></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:62.964%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.883%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.883%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.883%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.887%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reconciliation of ECL movement to credit impairment charge/(release) for the period</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,230 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,134 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">499 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement excluding assets derecognised due to disposals and write-offs</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(145)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">312 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,534 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,701 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement on loan commitments and other financial guarantees</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement on other financial assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recoveries and reimbursements</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(122)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(63)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(78)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(263)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total exchange and other adjustments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(308)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total credit impairment charge for the year</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £180.1bn (December 2021: £155.2bn) and impairment allowance of £163m (December 2021: £114m). This comprises £10m ECL (December 2021: £6m) on £178.4bn Stage 1 assets (December 2021: £154.9bn), £9m (December 2021: £1m) on £1.5bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2021: £157m) and £144m (December 2021: £107m) on £149m Stage 3 other assets (December 2021: £110m).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Recoveries and reimbursements includes £199m for reimbursements expected to be received under the arrangement where Group has entered into financial guarantee contracts which provide credit protection over certain assets with third parties and cash recoveries of previously written off amounts of £64m.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Includes foreign exchange and interest and fees in suspense.</span></div><div><span><br/></span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:32.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.199%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments and financial guarantees (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,833 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">532 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,368 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,793)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,820)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(368)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(412)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,714 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">450 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,170 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122,819 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,718 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,755 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,390)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,050 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">340 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,204 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">451 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,669 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,633 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,949)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(151)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,533 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,212)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(503)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(89)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,804)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159,054 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,767 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">332 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">166,153 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">171 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178,490 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,565 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,077 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,132 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,826 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,759)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,683 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,233 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,931 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,353 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,953 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,444 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54,175)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,515)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(65)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64,011)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(96)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,177 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,477 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">225 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">842 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">226,496 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.151%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138,639 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,312 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,234 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">421 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160,185 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">538 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,672)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,672 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,336 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,336)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(282)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(469)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">751 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">203 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,744 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,243 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,991 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,131)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,090)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,437)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,039)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,009)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(392)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,440)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(572)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(598)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,058 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,500 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,680 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">475 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,021 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">680 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,320 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,769 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,172 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,251 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,513 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,700 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,894)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(78)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,894 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,717 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,174 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,717)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(529)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(790)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(370)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,319 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">392 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(87)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,842 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">257 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200 </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,793)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,030)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(848)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(165)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">620 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,806)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,579)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(498)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(212)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,289)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(171)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(287)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(287)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,450)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,450)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,450)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,450)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,840 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">824 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,650 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,701 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,332 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,504 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,822 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,029 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119,304 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,374 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">711 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,591 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,066 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144,269 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,097 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,115)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,115 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,137 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">257 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,137)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(257)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(804)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(377)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,181 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">580 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">410 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(990)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,804 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,774 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,861 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(417)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(268)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">721 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(211)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(269)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22,219)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,734)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(545)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(131)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,498)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(339)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,303)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(203)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(163)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,669)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(365)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(365)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(365)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(365)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132,967 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,943 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,781 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">620 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,691 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,238 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Business activity in the year does not include additional drawdowns on the existing facility which are reported under 'Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes'. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Refinements to models used for calculation include a £34m movement in Home loans, £(24)m in Credit cards, unsecured loans and other retail lending and £19m in Wholesale loans. These reflect methodology changes made during the year. Barclays continually review the output of models to determine accuracy of the ECL calculation including review of model monitoring, external benchmarking and experience of model operation over an extended period of time. This ensures that the models used continue to reflect the risks inherent across the businesses.</span></div><div style="padding-left:9pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Final repayments include repayment from the facility closed during the year whereas partial repayments from existing facility are reported under 'Net drawdowns, repayments, net remeasurement and movements due to exposure and risk parameter changes'.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d The £598m disposals reported within Home loans relate to transfer of facilities to a non-consolidated special purpose vehicle for the purpose of securitisation. The £287m disposals reported within Credit cards, unsecured loans and other retail lending portfolio relate to debt sales undertaken during the year. The £1.7bn disposal reported within Wholesale loans include a £1.0bn sale of Barclays Asset Finance and a £0.7bn of debt sales.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e In 2021, gross write-offs amounted to £1,836m (2020: £1,964m) and post write-off recoveries amounted to £66m (2020: £35m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £1,770m (2020: £1,929m).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">f Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £155.2bn (December 2020: £180.3bn) and impairment allowance of £114m (December 2020: £165m). This comprises £6m ECL (December 2020: £11m) on £154.9bn Stage 1 assets (December 2020: £175.7bn), £1m (December 2020: £9m) on £157m Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2020: £4.4bn) and £107m (December 2020: £145m) on £110m Stage 3 other assets (December 2020: £154m).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">g Transfers and risk parameters change include a £0.3bn (2020: £0.6bn) net release in ECL arising from reclassification of £1.9bn (2020: £2.0bn) gross loans and advances from Stage 2 to Stage 1 in Credit cards, unsecured loans and other retail lending. The reclassification followed a review of back-testing of results which indicated that accuracy of origination probability of default characteristics require management adjustments to correct and was first established in Q220.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:509.25pt"><tr><td style="width:1.0pt"/><td style="width:324.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.75pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reconciliation of ECL movement to credit impairment charge/(release) for the period</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(25)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="border-right:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,068)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">908 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="border-right:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(450)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(426)</span></td><td style="border-right:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement excluding assets derecognised due to disposals and write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188 </span></td><td style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,543)</span></td><td style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871 </span></td><td style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(484)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement on loan commitments and financial guarantees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(456)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(522)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement on other financial assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recoveries and reimbursements</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">224 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(43)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total exchange and other adjustments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total credit impairment release for the year</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(653)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £155.2bn (December 2020: £180.3bn) and impairment allowance of £114m (December 2020: £165m). This comprises £6m ECL (December 2020: £11m) on £154.9bn Stage 1 assets (December 2020: £175.7bn), £1m (December 2020: £9m) on £157mn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2020: £4.4bn) and £107m (December 2020: £145m) on £110m Stage 3 other assets (December 2020: £154m).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Recoveries and reimbursements includes a net reduction in amounts recoverable from financial guarantee contracts held with third parties of £306m and cash recoveries of previously written off amounts of £66m.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Includes foreign exchange and interest and fees in suspense.</span></div><div><span><br/></span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.151%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments and financial guarantees (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,861 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,382 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(131)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,034 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,034 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,556)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,624)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(375)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(424)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,833 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">532 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,368 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114,371 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,117 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">305 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126,717 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">383 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,769 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,379)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(213)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">610 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,206 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,638 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(742)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(207)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">217 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(526)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,051)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(241)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,785)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(667)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(97)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,549)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122,819 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,718 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,755 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163,707 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">201 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,258 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">453 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,096 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206,061 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">681 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">221 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(215)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,053)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,085 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,658 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">116 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(229)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(151)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">515 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,183 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(233)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46,348)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,026)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(491)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(55,865)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(153)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178,490 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,565 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,077 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,132 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i26ede24f1f914f01850f5de96a2a3474_5962"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Management adjustments to models for impairment (audited)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Management adjustments to impairment models are applied in order to factor in certain conditions or changes in policy that are not fully incorporated into the impairment models, or to reflect additional facts and circumstances at the period end. Management adjustments are reviewed and incorporated into future model development where applicable.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Management adjustments are captured through “Economic uncertainty” and “Other” adjustments presented by product below:</span></div><div style="padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.386%"><tr><td style="width:1.0%"/><td style="width:39.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.872%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Management adjustments to models for impairment allowance presented by product (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr style="height:23pt"><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment allowance pre management adjustments</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Economic uncertainty adjustments<br/>(a)</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other adjustments<br/>(b)</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Management adjustments <br/>(a+b)</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total impairment allowance</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">C</span></div></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Proportion of Management adjustments to total impairment allowance</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">427 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,543 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,863 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,680 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">195 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">116 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,796 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,650 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">525 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,175 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5</span></td></tr></table></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.386%"><tr><td style="width:1.0%"/><td style="width:39.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.872%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="border-top:0.5pt solid #2aabe4;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72 </span></td><td style="border-top:0.5pt solid #2aabe4;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="border-top:0.5pt solid #2aabe4;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103 </span></td><td style="border-top:0.5pt solid #2aabe4;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">475 </span></td><td style="border-top:0.5pt solid #2aabe4;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,798 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,217 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,160 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,628 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(382)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,649 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,798 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,692 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(206)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,486 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,284 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.6</span></td></tr></table></div><div><span><br/></span></div><div style="padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.386%"><tr><td style="width:1.0%"/><td style="width:61.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Economic uncertainty adjustments presented by stage (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">195</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.386%"><tr><td style="width:1.0%"/><td style="width:61.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">803 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,217 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">741 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">908 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,692 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Positive values reflect an increase in impairment allowance and negative values reflect a reduction in the impairment allowance.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Includes £4.8bn (December 2021: £4.2bn) of modelled ECL, £0.4bn (December 2021: £0.5bn) of individually assessed impairments and £0.5bn (December 2021: £0.1bn) ECL from non-modelled exposures.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Total impairment allowance consists of ECL stock on drawn and undrawn exposure. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Economic uncertainty adjustments</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Models have been developed with data from non-inflationary periods establishing a relationship between input variables and customer delinquency based on past behaviour. Additionally, models are trying to interpret significant rates of change in macroeconomic variables and applying these to stable probability of default (PD) levels. As such there is a risk that the modelled output fails to capture the appropriate response to changes in macroeconomic variables and rising costs with modelled impairment provisions impacted by uncertainty.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">This uncertainty continues to be captured in two ways. Firstly, customer uncertainty: the identification of customers and clients who may be more vulnerable to economic instability; and secondly, model uncertainty: to capture the impact from model limitations and sensitivities to specific macroeconomic parameters which are applied at a portfolio level.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2022, previously established economic uncertainty adjustments have been partially released, informed by some normalisation of customer behaviour, refreshed scenarios and a rebuild of certain models to better capture the macroeconomic outlook. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The balance as at 31 December 2022 is £317m (December 2021: £1,692m) and includes:</span></div><div style="margin-bottom:3pt"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Customer and client uncertainty provisions of £423m (December 2021: £1,508m) includes:</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">includes an adjustment of £118m (December 2021: £1,203m) which has been applied to customers and clients considered most vulnerable to affordability pressures. This adjustment is predominantly held in Stage 2 in line with customer risk profiles.</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The reduction is informed by the release of COVID-19 related adjustments as credit performance stabilises at or below pre-pandemic levels which is reflected in the models, and a rebuild of certain models to better capture the macroeconomic outlook.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Wholesale loans:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%"> £301m (December 2021: £305m) includes an adjustment of £205m for exposures considered most at risk from inflationary concerns, supply chain constraints and consumer demand headwinds. The adjustment involves applying stage 2 coverage rates to stage 1 exposures assessed as most vulnerable. Sectors in scope are presented in the selected sectors disclosure on page <a href="#i1878aa06f7bd428eb1ea7459263ce8b8_5432" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%;text-decoration:none">229</a>. The remaining adjustment includes £92m to reflect possible cross default risk on Barclays’ lending in respect of clients who have taken bounce back loans.</span></div><div style="margin-bottom:3pt"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Model uncertainty provisions of £(106)m (December 2021: £184m) includes:</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Wholesale loans:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> £(106)m (December 2021: £98m) includes an adjustment to correct for the deterioration in wholesale PDs impacted by model over-sensitivity to certain macroeconomic variables. In 2021, this adjustment was held at £98m driven by an unintuitive model output from certain Q421 macroeconomic variables.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Management adjustments of £72m within</span><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> home loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> in 2021 primarily comprised of a now retired adjustment, reflecting the non-linearity of the UK mortgages portfolio in order to generate a more appropriate level of predicted results.</span></div><div style="margin-bottom:3pt"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Other adjustments</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other adjustments are operational in nature and are expected to remain in place until they can be reflected in the underlying models. These adjustments result from data limitations and model performance related issues identified through model monitoring and other established governance processes.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other adjustments of £208m (December 2021: £(206)m) includes:</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Home loans:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> £85m (December 2021: £31m) primarily includes adjustments for model performance informed by model monitoring and an adjustment for the adoption of the new definition of default under the Capital Requirements Regulation.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> £202m (December 2021: £145m) primarily includes an adjustment for adoption of the new definition of default under the Capital Requirements Regulation and an adjustment to the qualitative measures used in identification of high-risk account management (HRAM) accounts for US cards, partially offset by a recalibration of Loss Given Default (LGD) to reflect revised recovery expectations.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The £145m adjustments held in December 2021 primarily included adjustments for model performance informed by model monitoring, partially offset by an adjustment for reclassification of loans and advances from Stage 2 to Stage 1 in credit cards. The reclassification followed a review of back-testing results which indicated that accuracy of origination probability of default characteristics require management adjustment. These adjustments are no longer required due to model enhancements made during the year.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Wholesale loans:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> £(79)m (December 2021: £(382)m) includes adjustments for model performance informed by model monitoring.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Management adjustments of £(382)m within wholesale loans in 2021 consisted of an adjustment of £(380)m applied on bounce back loans to reverse out the modelled charge which did not consider the government guarantee. This adjustment is no longer needed due to model enhancements made during the <span id="i26ede24f1f914f01850f5de96a2a3474_5963"/>year.</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Baseline average macroeconomic variables used in the calculation of ECL</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.8)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Downside 2 average macroeconomic variables used in the calculation of ECL</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.4)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.8)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18.3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18.8)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.0)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.0)</span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Average Real GDP seasonally adjusted change in year.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Average UK unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Change in year end UK HPI = Halifax All Houses, All Buyers index, relative to prior year end.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Average US civilian unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Change in year end US HPI = FHFA house price index, relative to prior year end.</span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Downside 1 average macroeconomic variables used in the calculation of ECL</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.5)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10.6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.8)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.7)</span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Upside 2 average macroeconomic variables used in the calculation of ECL</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.7 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Average Real GDP seasonally adjusted change in year.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Average UK unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Change in year end UK HPI = Halifax All Houses, All Buyers index, relative to prior year end.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Average US civilian unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Change in year end US HPI = FHFA house price index, relative to prior year end.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:43.671%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.949%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Upside 1 average macroeconomic variables used in the calculation of ECL</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Average Real GDP seasonally adjusted change in year.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Average UK unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Change in year end UK HPI = Halifax All Houses, All Buyers index, relative to prior year end.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Average US civilian unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Change in year end US HPI = FHFA house price index, relative to prior year end.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:43.671%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.949%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scenario probability weighting (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"><span id="i56a6d724837e4a899dd452f6b4bf9d55_1-0-1-1-1533933"/></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Baseline</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 2</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scenario probability weighting</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scenario probability weighting</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.9 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.8 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.0 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:6.05pt">For further details on changes to scenario weights see page <a href="#i71905e25e6934d519e4c69feac849fcb_730" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:none">239</a>.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Specific bases shows the most extreme position of each variable in the context of the downside/upside scenarios, for example, the highest unemployment for downside scenarios, average unemployment for baseline scenarios and lowest unemployment for upside scenarios. GDP and HPI downside and upside scenario data represents the lowest and highest cumulative position relative to the start point, in the 20 quarter period.</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Macroeconomic variables (specific bases) (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Baseline</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.2)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.8)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17.9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35.0)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.3 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.6)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.6)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Average basis represents the average quarterly value of variables in the 20 quarter period with GDP and HPI based on yearly average and quarterly CAGRs respectively.</span></div><div style="margin-bottom:6.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Macroeconomic variables (5 year averages) (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Baseline</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a UK GDP = Real GDP growth seasonally adjusted; UK unemployment = UK unemployment rate 16-year+; UK HPI = Halifax All Houses, All Buyers Index; US GDP = Real GDP growth seasonally adjusted; US unemployment = US civilian unemployment rate 16-year+; US HPI = FHFA house price index. 20 quarter period starts from Q121 (2020: Q120).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Maximum growth relative to Q420 (2021: Q419), based on 20 quarter period in Upside scenarios; 5-year yearly average CAGR in Baseline; minimum growth relative to Q420 (2021: Q419), based on 20 quarter period in Downside scenarios.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Lowest quarter in Upside scenarios; 5-year average in Baseline; highest quarter in Downside scenarios. Period based on 20 quarters from Q121 (2021: Q120).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Maximum growth relative to Q420 (2021: Q419), based on 20 quarter period in Upside scenarios; 5-year quarter end CAGR in Baseline; minimum growth relative to Q420 (2021: Q419), based on 20 quarter period in Downside scenarios.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e 5-year yearly average CAGR, starting 2021 (2021: 2020).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">f 5-year average, Period based on 20 quarters from Q121 (2021: Q120).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">g 5-year quarter end CAGR, starting Q420 (2021: Q419).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">ECL under 100% weighted scenarios for modelled portfolios (audited)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below shows the modelled ECL assuming each of the five modelled scenarios are 100% weighted with the dispersion of results around the Baseline, highlighting the impact on exposure and ECL across the scenarios.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Model exposure uses exposure at default (EAD) values and is not directly comparable to gross exposure used in prior disclosures. </span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:35.277%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.508%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Scenarios</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Baseline</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 2</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Model exposure (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144,701 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,754 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146,873 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,322 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142,599 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138,619 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b, c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,329 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,772 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,457 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,171 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80,921 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80,529 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,838 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">194,970 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192,218 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188,746 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181,247 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167,848 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Model ECL (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">592 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">562 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">579 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">594 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">604 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">610 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">325 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">245 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">274 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">308 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">382 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Coverage (%)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Model exposure (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,723 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,670 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,551 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,102 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,825 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,805 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b, c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,414 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,131 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,817 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,535 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,377 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,456 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,634 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,503 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,255 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,726 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,226 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,624 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Model ECL (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,786 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,629 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,785 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,004 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,274 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">603 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">392 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">463 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">562 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">809 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,288 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Coverage (%)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Model exposure (£m)</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Model ECL (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">332 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">347 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">405 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,011 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,023 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,048 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,059 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Coverage (%)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Model ECL (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">329 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">338 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">401 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">586 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,411 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,060 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,231 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,413 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,656 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,943 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">977 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">682 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">784 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">919 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,248 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,783 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total ECL</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,760 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,071 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,353 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,682 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,305 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,312 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:87.854%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.946%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reconciliation to total ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total weighted model ECL</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,760 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from individually assessed impairments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">434 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from non-modelled exposures and others</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">456 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from post model management adjustments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">525 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Of which: ECL from economic uncertainty adjustments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total ECL</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,175 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Model exposures are allocated to a stage based on an individual scenario rather than a probability-weighted approach, as required for Barclays reported impairment allowances. As a result, it is not possible to back solve the final reported weighted ECL from individual scenarios given balances may be assigned to a different stage dependent on the scenario.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b For Credit cards, unsecured loans and other retail lending, the model exposure movement between stages 1 and 2 across scenarios differs due to additional impacts from the undrawn exposure.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c For Credit cards, unsecured loans and other retail lending, the dispersion of results around Baseline has narrowed following model enhancements made during the year.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Model exposures allocated to Stage 3 does not change in any of the scenarios as the transition criteria relies only on an observable evidence of default as at 31 December 2022 and not on macroeconomic scenario.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Material wholesale loan defaults are individually assessed across different recovery strategies. As a result, ECL of £434m is reported as an individually assessed impairment in the reconciliation table.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The use of five scenarios with associated weighting results in a total weighted ECL uplift from the Baseline ECL of 1.7%</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Home loans:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:110%"> Total weighted ECL of £372m represents a 6.3% increase over the Baseline ECL (£350m), with coverage ratios remaining steady across the Upside scenarios, Baseline and Downside 1 scenario. Under the Downside 2 scenarios, total ECL increases to £586m, driven by a significant fall in UK HPI (18.3)% in 2023 reflecting the non-linearity of the UK portfolio. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Credit cards, unsecured loans and other retail lending:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:110%"> Total weighted ECL of £3,411m is aligned to the Baseline ECL (£3,413m). The impact of the deteriorated Baseline scenario relative to the severity of the downside scenarios is greater than the impact of the higher weights applied to the Downside scenarios when compared to 2021. This results in a convergence between Baseline and Weighted ECL in 2022. Total ECL increases to £3,943m under the Downside 2 scenario, mainly driven by significant increase in UK unemployment rate to 6% and US unemployment rate to 6% in 2023</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Wholesale loans: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Total weighted ECL of £977m represents a 6.3% increase over the Baseline ECL (£919m). Total ECL increases to £1,783m under Downside 2 scenario, driven by a significant decrease in UK GDP to (3.4)% and US GDP to (2.7)% in 2023</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:49.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.198%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Scenarios</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Baseline</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 2</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Model exposure (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">137,279 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">139,117 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138,424 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">137,563 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135,544 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b, c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,783 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,758 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,771 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,821 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,698 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,315 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,249 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177,453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176,774 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,814 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161,998 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Model ECL (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">324 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">272 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">279 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">418 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">286 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">327 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Coverage (%)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Model exposure (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,915 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,076 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,769 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,631 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,649 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,151 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b, c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,500 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,447 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,757 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,084 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,689 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,452 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,256 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,052 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,732 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,054 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,692 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,507 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Model ECL (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,114 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">925 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">988 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,058 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,497 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,295 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">528 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">851 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,510 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Coverage (%)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Model exposure (£m)</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Model ECL (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">303 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">292 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">295 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">299 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">346 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,236 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,277 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,297 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">322 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">332 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Coverage (%)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Model ECL (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">322</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">304</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">308</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">314</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">407</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,693</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,427</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,505</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,592</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,124</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,010</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,185</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,051</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,137</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,504</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,192</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total ECL</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,200</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,723</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,864</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,043</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,976</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,609</span></td></tr></table></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:87.838%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.962%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reconciliation to total ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total weighted model ECL</span></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,200 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from individually assessed impairments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from non-modelled exposures and others</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from post model management adjustments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,486 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which: ECL from economic uncertainity adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,692 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total ECL</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,284 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Model exposures are allocated to a stage based on an individual scenario rather than a probability-weighted approach, as required for Barclays reported impairment allowances. As a result, it is not possible to back solve the final reported weighted ECL from individual scenarios given balances may be assigned to a different stage dependent on the scenario.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b For Credit cards, unsecured loans and other retail lending, the model exposure movement between stages 1 and 2 across scenarios differs due to additional impacts from the undrawn exposure. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c In 2021, Loans & Advances at Amortised Cost were used as Modelled Exposure for the International Consumer Bank within this disclosure. The process was revised in 2022 to incorporate Exposure at Default (EAD) with no impact to ECL. This has been represented in Prior Year comparatives.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Model exposures allocated to Stage 3 does not change in any of the scenarios as the transition criteria relies only on an observable evidence of default as at 31 December 2021 and not on macroeconomic scenario.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Material wholesale loan defaults are individually assessed across different recovery strategies. As a result, ECL of £524m is reported as an individually assessed impairment in the reconciliation table.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">f Post Model Adjustments include negative adjustments reflecting operational post model adjustments.</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.626%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.949%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk concentrations by geography (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">United<br/>Kingdom</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Americas</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Europe</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Asia</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Africa and Middle East</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129,000 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,830 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73,677 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,442 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,572 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,058 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,467 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,058 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">270,554 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,851 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,484 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,504 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,386 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,333 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,490 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,970 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,299 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,581 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,673 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,024 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106,741 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,355 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,538 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,819 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207,477 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99,053 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101,407 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77,146 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,299 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,475 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,692 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,666 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,842 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,562 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,054 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,473 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">589,571 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430,799 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">282,973 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,488 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,912 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,413,743 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,485 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,297 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,811 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">402 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103,575 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240,356 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,479 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,334 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,764 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">395,508 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,060 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">251,653 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,290 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,544 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,166 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">419,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">699,631 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">682,452 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">332,263 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96,032 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,078 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,833,456 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114,959 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,846 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,789 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,249 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,469 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,822 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,260 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">742 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">270,261 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,599 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,352 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,039 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">401 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,508 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,926 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,539 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,092 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,943 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">889 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,737 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95,478 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,083 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,800 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,999 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,097 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,710 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,010 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,247 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,709 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,896 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,661 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,391 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,235 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,164 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">400 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,851 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">949 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,212 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">548,461 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363,567 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">263,117 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,213 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,557 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269,915 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,527 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,328 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,957 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,131 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,346 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105,844 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192,303 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,523 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,104 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,937 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345,711 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Total off-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111,371 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,631 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,480 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,235 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,340 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,057 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">659,832 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">566,198 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307,597 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,448 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,897 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,636,972 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.098%"/><td style="width:0.1%"/></tr><tr><td colspan="39" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk concentrations by industry (audited)</span></td></tr><tr style="height:54pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Banks</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial<br/>insti-<br/>tutions</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Manu-<br/>facturing</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Const-<br/>ruction<br/>and <br/>property</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Govern-<br/>ment and central bank</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Energy<br/>and<br/>water</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Whole-<br/>sale<br/>and retail distri-<br/>bution<br/> and leisure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Business<br/>and other<br/>services</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Home<br/>loans</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cards, <br/>unsecured<br/>loans and <br/>other personal <br/>lending</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">731 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,557 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,083 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,740 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,265 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">586 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,726 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,181 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,025 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,029 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,989 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,626 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,362 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,020 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173,815 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,913 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,093 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">634 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,663 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,314 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,007 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,405 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,355 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,330 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">789 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,782 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,028 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,673 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,838 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149,328 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">712 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,524 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,609 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">479 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,053 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,255 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">482 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207,477 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127,391 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153,013 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,095 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">597 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,027 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,778 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,541 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,175 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,763 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,918 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">758 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,682 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">379 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,054 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">494 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">975 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">203,765 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">444,624 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,077 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,383 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">408,535 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,201 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,308 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,427 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,087 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,996 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,340 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,413,743 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,108 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,193 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,695 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,430 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,818 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,891 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,165 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,627 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,135 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,840 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,671 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,951 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,599 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,501 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,607 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,759 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,137 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,223 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158,599 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,621 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">395,508 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,948 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,864 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,646 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,029 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,319 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,498 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,924 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,764 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,223 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158,742 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,756 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">419,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516,488 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,723 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,412 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411,854 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,699 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,232 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,191 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187,310 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">209,738 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,096 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,833,456 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,448 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,581 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,526 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">390 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">366 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,519 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,332 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,701 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,722 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,827 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,345 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,455 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,198 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,034 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">645 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,049 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">533 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,586 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,817 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,881 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,097 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,043 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,734 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,716 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,941 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,074 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131,264 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">771 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,999 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,945 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,595 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">428 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,097 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120,666 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117,400 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,898 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,233 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,544 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,696 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,794 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,441 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,274 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,872 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">455 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,851 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">618 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">450 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,212 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188,412 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">358,241 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,843 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,460 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">378,966 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,409 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,604 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,203 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">170,800 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,287 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,690 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269,915 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,006 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,356 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,080 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,341 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,682 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,284 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,209 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,518 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,797 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,346 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,395 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,071 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,587 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,673 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,461 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,299 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,682 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,656 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121,680 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,845 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345,711 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,401 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,427 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,667 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,014 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,044 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,745 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,508 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,200 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,656 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121,753 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,642 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,057 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,813 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">418,668 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62,510 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,474 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">382,010 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,154 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,112 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,403 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182,456 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,040 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,332 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,636,972 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.151%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance sheet credit quality (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.0 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.60 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11.35 to 100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.0 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.60 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11.35 to 100%</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101,365 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,944 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167,368 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,866 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,536 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173,770 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,364 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,107 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,233 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,704 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,881 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,327 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,097 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,305 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318,613 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,300 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,866 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,253 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,891 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">331 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,475 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,214 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,273 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,711 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,198 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,467 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,164 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,042 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,673 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,684 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,630 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,429 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,062 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,249 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124,794 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,548 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141,698 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,051 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,728 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207,477 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">284,491 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,606 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,051 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,054 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,599 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,223,411 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176,125 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,207 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,413,743 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:20pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.151%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance sheet credit quality (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.0 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.60 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11.35 to 100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.0 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.60 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11.35 to 100%</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,257 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,275 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost:</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161,314 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,547 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,344 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,664 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,293 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,836 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,823 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,437 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,193 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291,801 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,277 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,373 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,141 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets:</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,652 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">477 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,864 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,144 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">209 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,525 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total trading portfolio assets</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,824 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,879 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">686 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,389 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement:</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,642 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,979 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,667 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">864 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,305 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108,437 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,047 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">530 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,014 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets at fair value through the income statement</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129,561 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,908 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">628 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,097 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">246,628 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,678 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">266 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,845 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,851 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,155 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,212 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,101,786 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,164 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,965 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269,915 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:3pt;margin-top:3pt"><span id="ia0e53ca95d674858a0672bfb299a4d19_3519"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Credit exposures by internal PD grade</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The below tables represent credit risk profile by PD grade for loans and advances at amortised cost, contingent liabilities and loan commitments.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Stage 1 higher risk assets, presented gross of associated collateral held, are of weaker credit quality but have not significantly deteriorated since origination. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IFRS 9 Stage 1 and Stage 2 classification is not dependent solely on the absolute probability of default but on elements that determine a Significant Increase in Credit Risk (see Note 8), including relative movement in probability of default since initial recognition. There is therefore no direct relationship between credit quality and IFRS 9 stage classification.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:6.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.860%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.860%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.532%"/><td style="width:0.1%"/></tr><tr><td colspan="39" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk profile by internal PD grade for loans and advances at amortised cost (audited)</span></td></tr><tr style="height:11pt"><td colspan="9" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross carrying amount</span></td><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allowance for ECL</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio</span></td></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Grading</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit quality description</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108,494 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,787 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,286 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,244 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120,780 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,093 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129,873 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129,840 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,895 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,234 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,174 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,868 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,635 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,503 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,355 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,856 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,711 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,162 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,212 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,932 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,144 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">539 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">699 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,445 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,320 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,189 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,509 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">328 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">488 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">816 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,693 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,121 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,909 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,030 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">962 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,029 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,001 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,081 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,081 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,216 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,216 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,865 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350,545 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,740 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,086 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">404,371 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,057 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,316 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,219 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,592 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95,795 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,554 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97,349 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97,058 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,818 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,584 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87,402 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87,380 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,409 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,722 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,131 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,078 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,794 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,649 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,443 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,285 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,654 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,090 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,744 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">264 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">590 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,977 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,645 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,622 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">230 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">780 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,010 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,612 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,364 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,936 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">425 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,511 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">846 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,485 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">593 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">672 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,659 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,235 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,235 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,521 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,521 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,714 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318,865 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,093 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,235 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,193 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,206 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,015 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,521 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,742 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:6.728%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.750%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.750%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.558%"/><td style="width:0.1%"/></tr><tr><td colspan="39" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk profile by internal PD grade for contingent liabilities (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr style="height:11pt"><td colspan="9" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross carrying amount</span></td><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allowance for ECL</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio</span></td></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Grading</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit quality description</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,695 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,844 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,836 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,558 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,555 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,733 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,913 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,907 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,161 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">214 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,375 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,366 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,989 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">751 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,740 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,713 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">910 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">496 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,406 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,381 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">716 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">906 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">847 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">440 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">498 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">432 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">539 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,472 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,768 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,782 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,576 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,561 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,552 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,929 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">503 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,432 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,428 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,195 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,191 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,794 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,010 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,005 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,990 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">287 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,277 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,250 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">817 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">479 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,296 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,281 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">607 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">861 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">798 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,162 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,303 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,223 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,663 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,272 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,115 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">209 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,906 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:6.728%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.750%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.750%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.558%"/><td style="width:0.1%"/></tr><tr><td colspan="39" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk profile by internal PD grade for loan commitments (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr style="height:11pt"><td colspan="9" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross carrying amount</span></td><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allowance for ECL</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio</span></td></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Grading</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit quality description</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,077 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">752 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,829 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,825 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85,917 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,004 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,921 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,913 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67,381 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,349 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,730 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,715 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,081 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,634 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,615 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,465 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,146 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,068 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,398 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,010 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,408 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,338 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,976 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,058 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,956 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">706 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,991 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,697 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,612 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">638 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">638 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">618 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">353,473 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,926 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">638 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">382,037 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">377 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">381,660 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,204 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,034 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107,238 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107,228 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,986 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,510 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,495 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,968 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,387 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,355 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,341 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,539 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,063 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,049 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,065 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,713 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,778 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,667 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,091 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,516 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,607 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,549 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,407 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,091 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,498 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,477 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,219 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,754 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,973 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,904 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,118 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,118 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,097 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">294,479 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,543 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,118 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">327,140 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326,807 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Excludes loan commitments and financial guarantees of £14.9bn (2021: £18.8bn) carried at fair value.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The tables below set out the fair values of the derivative assets together with the value of those assets subject to enforceable counterparty netting arrangements for which the Group holds offsetting liabilities and eligible collateral.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balance sheet<br/>assets </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Counterparty<br/>netting</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net<br/>exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balance sheet<br/>assets </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Counterparty<br/>netting</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net<br/>exposure</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109,938 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88,096 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,842 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,975 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,525 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,450 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134,579 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101,646 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,933 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125,905 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,669 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,236 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,423 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,356 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,067 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,682 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,525 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,157 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity and stock index</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,665 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,200 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,465 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,723 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,084 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,639 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commodity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,775 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,039 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">736 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,287 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,717 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">570 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total derivative assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,337 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,043 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,520 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,052 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral held</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,547 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,598 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net exposure less collateral</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,496 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,454 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">The daily average, high and low values of management VaR</span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Management VaR (95%, one day) (audited) </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Average</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">High</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Low</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Average</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">High</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Low</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk </span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity risk </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basis risk </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spread risk </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commodity risk </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Diversification effect</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">n/a</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">n/a</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">n/a</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">n/a</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total management VaR</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13</span></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19</span></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36</span></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Diversification effects recognise that forecast losses from different assets or businesses are unlikely to occur concurrently, hence the expected aggregate loss is lower than the sum of the expected losses from each area. Historical correlations between losses are taken into account in making these assessments. The high and low VaR figures reported for each category did not necessarily occur on the same day as the high and low VaR reported as a whole. Consequently, a diversification effect balance for the high and low VaR figures would not be meaningful and is therefore omitted from the above table.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below provides detail on the contractual maturity of all financial instruments and other assets and liabilities. Derivatives (other than those designated in a hedging relationship) and trading portfolio assets and liabilities are included in the ‘on demand’ column at their fair value. Liquidity risk on these items is not managed on the basis of contractual maturity since they are not held for settlement according to such maturity and will frequently be settled before contractual maturity at fair value. Derivatives designated in a hedging relationship are included according to their contractual maturity.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.943%"><tr><td style="width:1.0%"/><td style="width:17.435%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.125%"/><td style="width:0.1%"/></tr><tr><td colspan="36" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contractual maturity of financial assets and liabilities (audited)</span></td></tr><tr style="height:39pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> On<br/>demand </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Not more<br/>than three<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>months but<br/>not more<br/>than six<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over six<br/>months but<br/>not more<br/>than nine months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over nine<br/>months but<br/>not more<br/>than one year </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over one<br/>year <br/>but not<br/>more than<br/>two years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over two<br/>years but<br/>not more<br/>than three<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>years but<br/>not more<br/>than five<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over five<br/>years but<br/>not more<br/>than ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Total </span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,097 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,977 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109,620 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,764 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,719 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,716 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,275 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,942 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,790 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,325 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,519 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,539 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177,190 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">648 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,813 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,813 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,071 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,644 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,771 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,718 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,047 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,491 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,922 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,320 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">213,568 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">301,647 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,433 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,535 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,687 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,395 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,206 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,560 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,418 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,385 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,435 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,062 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,177 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">744,937 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">278,549 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,088 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,750 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,427 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,597 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,159 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,274 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,237 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187,964 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,484,982 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,717 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,513,699 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">443,736 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,076 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,388 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,090 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,575 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,263 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">327 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">499 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">589 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">239 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">545,782 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,932 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93,995 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96,927 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,562 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">943 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,105 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,069 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,052 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,109 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,259 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,582 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,294 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,435 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,817 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,808 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,526 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,051 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,881 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,181 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,987 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,493 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,483 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,423 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72,924 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72,924 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,844 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,733 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,352 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,812 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,000 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,548 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,528 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,708 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,820 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">271,637 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288,573 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">273 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">289,620 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,803 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">391 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,156 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">819,351 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">394,340 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,105 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,095 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,846 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,402 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,979 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,411 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,763 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,110 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,437,402 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,037 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,444,439 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cumulative liquidity gap</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(74,414)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(190,205)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216,222)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(217,567)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(221,986)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(201,791)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(182,611)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(142,748)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(119,274)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,580 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,260 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:17.162%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.008%"/><td style="width:0.1%"/></tr><tr><td colspan="36" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contractual maturity of financial assets and liabilities (audited)</span></td></tr><tr style="height:39pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> On<br/>demand </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Not more<br/>than three<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>months but<br/>not more<br/>than six<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over six<br/>months but<br/>not more<br/>than nine<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over nine<br/>months but<br/>not more<br/>than one<br/>year </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over one<br/>year <br/>but not<br/>more than<br/>two years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over two<br/>years but<br/>not more<br/>than three<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>years but<br/>not more<br/>than five<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over five<br/>years but<br/>not more<br/>than ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Total </span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,369 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,807 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,749 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,670 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,879 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,291 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,192 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,716 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,614 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,822 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">171,481 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,984 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,035 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,035 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,257 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127,085 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,281 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,889 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,394 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,590 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,564 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,419 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191,972 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,678 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">537 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,280 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,488 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,419 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,834 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,188 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,226 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,868 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">707 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">474 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,213 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">694,660 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233,491 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,722 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,580 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,062 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,706 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,781 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,929 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,628 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">185,780 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,360,339 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,946 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,384,285 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">454,961 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,755 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,994 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,025 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">545 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">519,433 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,983 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,621 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,195 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,925 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,504 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,352 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,399 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,606 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,845 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,254 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,792 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,957 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,948 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,218 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,848 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98,867 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,007 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,218 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,063 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,885 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,603 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,882 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,759 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,339 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,900 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,857 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,268 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,588 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,540 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,114 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,734 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,366 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,254 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250,960 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,747 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">362 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,883 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">691 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">420 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">139 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,301 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">789,403 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311,405 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,052 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,241 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,829 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,394 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,814 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,880 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,274 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,803 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,307,095 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,149 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,314,244 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cumulative liquidity gap</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(94,743)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(172,657)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(195,987)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(201,648)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(198,415)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(186,103)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(172,136)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(142,087)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(107,733)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,244 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,041 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Contractual maturity of financial liabilities on an undiscounted basis </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below presents the cash flows payable by the Group under financial liabilities by remaining contractual maturities at the balance sheet date. The amounts disclosed in the table are the contractual undiscounted cash flows of all financial liabilities (i.e. nominal values).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The balances in the below table do not agree directly to the balances in the consolidated balance sheet as the table incorporates all cash flows, on an undiscounted basis, related to both principal as well as those associated with all future coupon payments.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Derivative financial instruments held for trading and trading portfolio liabilities are included in the on demand column at their fair value.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:24.453%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.179%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contractual maturity of financial liabilities - undiscounted (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> On<br/>demand </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Not more<br/>than three<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>months but<br/>not more<br/>than six<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over six<br/>months but<br/>not more<br/>than one year </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over one<br/>year <br/>but not<br/>more than<br/>three years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>years but<br/>not more<br/>than five<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over five<br/>years but<br/>not more<br/>than ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Total </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">443,736 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,235 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,393 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,798 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">499 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">706 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">376 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">546,349 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,932 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94,183 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97,115 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,575 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">946 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,920 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,234 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">252 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,183 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,226 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,375 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,165 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,964 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,790 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,207 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,871 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126,598 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">263 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,356 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,902 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,429 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,241 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72,924 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72,924 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,844 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187,126 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,905 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,399 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,662 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,847 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,345 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,754 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290,882 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288,573 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">722 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290,193 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,813 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">488 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">308 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">455 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,424 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">819,351 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">395,282 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,830 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,688 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,204 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,355 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,686 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,513 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,477,909 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">454,961 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,755 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,718 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,461 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">239 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">559 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">519,478 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,983 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,621 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,356 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,885 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,028 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,450 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,625 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,075 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,225 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,060 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,147 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,690 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107,272 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,063 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,379 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,213 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,316 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,627 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,867 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,465 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,339 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158,070 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,887 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,946 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,944 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,086 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,544 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,638 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260,454 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,747 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">305 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">449 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">257,002 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,344 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">932 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">327 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">502 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">162 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,619 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">789,403 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311,696 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,115 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,253 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,436 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,229 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,513 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,213 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,328,858 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i11ae318240ab4c719644ff2f6c2f91e6_3058"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Maturity of off-balance sheet commitments received and given</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below presents the maturity split of the Group’s off-balance sheet commitments received and given at the balance sheet date. The amounts disclosed in the table are the undiscounted cash flows (i.e. nominal values) on the basis of earliest opportunity at which they are available.</span></div><div style="margin-bottom:3.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:25.675%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.565%"/><td style="width:0.1%"/></tr><tr><td colspan="36" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maturity analysis of off-balance sheet commitments received (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">On<br/>demand </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Not more than three months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three months but not more than six months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over six months but not more than nine months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over nine months but not more than one year </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over one year but not more than two years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over two years but not more than three years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three years but not more than five years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over five years but not more than ten years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over ten years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Total </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees, letters of credit and credit insurance</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,301 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,777 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments received</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,473 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,473 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet commitments received</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,774 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,250 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees, letters of credit and credit insurance</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,613 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,870 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments received</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">455 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">455 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet commitments received</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,068 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,325 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span style="color:#ff0090;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:25.675%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.565%"/><td style="width:0.1%"/></tr><tr><td colspan="36" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maturity analysis of off-balance sheet commitments given (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> On<br/>demand </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Not more than three months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three months but not more than six months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over six months but not more than nine months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over nine months but not more than one year </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over one year but not more than two years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over two years but not more than three years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three years but not more than five years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over five years but not more than ten years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over ten years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Total </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities and financial guarantees</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,103 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Documentary credits and other short-term trade related transactions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,740 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,748 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Standby facilities, credit lines and other commitments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393,723 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393,760 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet commitments given</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">419,566 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">419,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities and financial guarantees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,207 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,346 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Documentary credits and other short-term trade related transactions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,582 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,584 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Standby facilities, credit lines and other commitments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">344,055 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">344,127 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet commitments given</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">366,844 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">137 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,057 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.743%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.979%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span id="ib4516d81181141d5b130df6bc2b1260d_0-0-1-1-1533933"/><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital ratios</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a,b</span></div></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CET1</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.1 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 1 (T1)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total regulatory capital</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span id="ib4516d81181141d5b130df6bc2b1260d_7-0-1-1-1533933"/><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital resources (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total equity excluding non-controlling interests per the balance sheet</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,292</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,052</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less: other equity instruments (recognised as AT1 capital)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,284)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,259)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustment to retained earnings for foreseeable ordinary share dividends </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(787)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(666)</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustment to retained earnings for foreseeable other equity coupons</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(37)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other regulatory adjustments and deductions</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additional value adjustments (PVA)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,726)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,585)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill and intangible assets</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,224)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,804)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets that rely on future profitability excluding temporary differences</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,500)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,028)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value reserves related to gains or losses on cash flow hedges</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,237</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">852</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Excess of expected losses over impairment</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(119)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains or losses on liabilities at fair value resulting from own credit</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(620)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">892</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit pension fund assets</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,430)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,619)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Direct and indirect holdings by an institution of own CET1 instruments</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustment under IFRS 9 transitional arrangements</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,229</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other regulatory adjustments</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">396</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CET1 capital</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,878</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,327</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 capital </span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital instruments and related share premium accounts</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,284</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,259</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Qualifying AT1 capital (including minority interests) issued by subsidiaries </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">637</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other regulatory adjustments and deductions</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(60)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 capital</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,224</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,816</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">T1 capital</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,102</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,143</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">T2 capital</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital instruments and related share premium accounts</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,713</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Qualifying T2 capital (including minority interests) issued by subsidiaries</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,113</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk adjustments (excess of impairment over expected losses)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other regulatory adjustments and deductions</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(160)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(160)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total regulatory capital</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,072</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,882</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total RWAs (Unaudited)</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">336,518</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">314,136</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a CET1, T1 and T2 capital, and RWAs are calculated applying the transitional arrangements of the CRR as amended by CRR II. This includes IFRS 9 transitional arrangements and the grandfathering of CRR II non-compliant capital instruments. December 2021 comparatives include the grandfathering of CRR non-compliant capital instruments.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b The fully loaded CET1 ratio, as is relevant for assessing against the conversion trigger in Barclays PLC AT1 securities, was 13.7%, with £46.2bn of CET1 capital and £336.3bn of RWAs calculated without applying the transitional arrangements of the CRR as amended by CRR II.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="if5b9ab36963e46f1b18f998da984f61f_10520"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Foreign exchange risk (audited)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group is exposed to two sources of foreign exchange risk.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="if5b9ab36963e46f1b18f998da984f61f_10512"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">a) Transactional foreign currency exposure</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Transactional foreign currency exposures represent exposure on banking assets and liabilities, denominated in currencies other than the functional currency of the transacting entity.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s risk management policies are designed to prevent the holding of significant open positions in foreign currencies outside the trading portfolio managed by Barclays International which is monitored through VaR.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Banking book transactional foreign exchange risk outside of Barclays International is monitored on a daily basis by the market risk function and minimised by the businesses.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="if5b9ab36963e46f1b18f998da984f61f_10521"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">b) Translational foreign exchange exposure</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s investments in overseas subsidiaries and branches create capital resources denominated in foreign currencies, principally USD and EUR. Changes in the GBP value of the net investments due to foreign currency movements are captured in the currency translation reserve, resulting in a movement in CET1 capital.</span></div><div style="margin-bottom:3pt"><span id="if5b9ab36963e46f1b18f998da984f61f_10516"/><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s strategy is to minimise the volatility of the capital ratios caused by foreign exchange movements, by matching the CET1 capital movements to the revaluation of the Group’s foreign currency RWA exposures.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.682%"><tr><td style="width:1.0%"/><td style="width:32.134%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.031%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Functional currency of operations (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Foreign currency net investments</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Borrowings which hedge the net investments</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivatives which hedge the net investments</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Structural currency exposures pre-economic hedges</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Economic hedges</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Remaining structural currency exposures</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">USD</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,441 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,363)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,086)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,992 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,688)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,304 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,461)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,312 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(283)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,029 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">JPY</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">689 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(197)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">492 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">492 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other currencies</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,330 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,676)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,654 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(279)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,375 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,236 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,824)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,962)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,450 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,250)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,200 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">USD</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,958 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,707)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,356)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,895 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,389)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,506 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,408)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(268)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,774 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">JPY</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">614 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(97)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">517 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">517 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other currencies</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,448 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,384 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,384 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,473 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,212)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,423)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,838 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,657)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,181 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Economic hedges relate to exposures arising on foreign currency denominated preference share and AT1 instruments. These are accounted for at historical cost under IFRS and do not qualify as hedges for accounting purposes. The gain or loss arising from changes in the GBP value of these instruments is recognised on redemption in retained earnings.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">During 2022, total structural currency exposure net of hedging instruments decreased by £1.0bn to £15.2bn (2021: £16.2bn). Foreign currency net investments increased by £3.7bn to £41.2bn (2021: £37.5bn) driven predominantly by a £1.5bn increase in USD, £1.3bn increase in EUR and £0.9bn increase in other currencies. The hedges associated with these investments increased by £3.2bn to £16.8bn (2021: £13.6bn).</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income sensitivity (AEaR) by business unit (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">+25bps</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">-25bps</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(59)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(73)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">+25bps</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">-25bps</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(99)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(158)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s customer banking book hedging activity is risk reducing from an NII sensitivity perspective. The hedges in place remove interest rate risk and smooth income over the medium term. The NII sensitivity for the Group at 31 December 2022 without hedging in place for +/-25bp rate shocks would be £233m/£(281)m respectively.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">NII sensitivity asymmetry is due to the timing impact of customer rate changes following the rate shock and also due to changes in the balance sheet composition. Reduction in overall NII sensitivity in both shock scenarios is due to the current rate levels removing the impact of embedded floors on product margins.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income sensitivity (AEaR) by currency (audited)</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="4" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="6" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">+25 basis points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">-25 basis points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">+25 basis points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">-25 basis points</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">GBP</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(85)</span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">USD</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(62)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other currencies</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(73)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(158)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Analysis of equity sensitivity</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Equity sensitivity measures the overall impact of a +/-25bps movement in interest rates on retained earnings, FVOCI, cash flow hedge reserves and pensions. For non-NII items a DV01 metric is used, which is an indicator of the shift in value for a 1bp movement in the yield curve.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of equity sensitivity (audited)</span></td><td colspan="6" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">+25 basis<br/>points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">-25 basis<br/>points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">+25 basis<br/>points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">-25 basis<br/>points</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(73)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(158)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Taxation effects on the above</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effect on profit for the year</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(58)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(125)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As percentage of net profit after tax</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effect on profit for the year (per above)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(58)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(125)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value through other comprehensive income reserve</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(291)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(479)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">408</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedge reserve</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(774)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">774</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(859)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">859</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Taxation effects on the above</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(291)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(342)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effect on equity</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(757)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">727</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(921)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">800</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As percentage of equity</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.1 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.3 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div> | |
| CY2022 | ifrs-full |
Summary Quantitative Data About Entitys Exposure To Risk
SummaryQuantitativeDataAboutEntitysExposureToRisk
|
<div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:32.386%"><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:49.269%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.176%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maximum exposure and effects of netting, collateral and risk transfer (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maximum exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Netting and set-off</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash collateral</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-cash collateral</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Risk transfer</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173,770 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(328)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(173,308)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,704 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,220)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,161)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(243)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,080 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,305 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,442)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(660)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(61,335)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17,367)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,501 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,442)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,208)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238,804)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17,708)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135,617 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which credit-impaired (Stage 3):</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,000 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,996)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">844 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(323)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">486 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,023 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(742)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(709)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">566 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total credit-impaired loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,867 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,061)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(712)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,055 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(776)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,475 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(530)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,945 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,198 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(250)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,900 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,673 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(780)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67,845 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,429 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31,544)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,859 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,249 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,928 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,672)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(160,347)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207,477 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,689)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(192,212)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,567 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238,337)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,547)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,434)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,275)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,787 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,054 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(222)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(711)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,121 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,413,743 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(242,779)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40,444)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(444,228)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(25,751)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">660,541 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,295)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,596)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(280)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">395,508 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(129)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41,917)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,666)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">351,796 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">419,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,424)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(43,513)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,946)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372,830 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,833,456 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(242,779)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41,868)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(487,741)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,697)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033,371 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></div><div style="display:inline-block;max-width:1.419%;min-width:0.919%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:32.386%"/><div style="display:inline-block;max-width:1.419%;min-width:0.919%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:32.390%"/></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Off-balance sheet exposures are shown gross of provisions of</span><span style="background-color:#ffffff;color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> £583m (2021: £542m</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">)</span><span style="background-color:#ffffff;color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">. See Note 25 for further details. In addition to the above, the Group holds forward starting reverse repos with notional contract amounts of £48.4bn (2021: £39.3bn). These balances are fully collateralised. Wholesale loans and advances at amortised cost include £8bn (2021: £11.4bn) of BBLS, CBILS and CLBILS supported by UK government guarantees of £7.6bn (2021: £11bn), which are included within the Risk transfer column in the table. For further information on credit risk mitigation techniques, refer to the Credit risk management section.</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:49.269%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.176%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maximum exposure and effects of netting, collateral and risk transfer (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maximum exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Netting and set-off</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash collateral</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-cash collateral</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Risk transfer</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="background-color:#ffffff;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost:</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(339)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(168,627)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(146)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,050)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,560)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(252)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,931 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,001)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42,691)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23,104)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,529 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,001)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,517)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(215,878)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23,502)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115,553 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which credit-impaired (Stage 3):</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,725 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,714)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">828 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(229)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">567 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(717)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(765)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">678 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total credit-impaired loans and advances at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,714 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,660)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(768)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,245 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,227)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets:</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,864 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(461)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,525 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(268)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,257 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total trading portfolio assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,389 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(729)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62,660 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement:</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,667 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31,263)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,404 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,305 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(319)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,986 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,014 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,428)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(143,057)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">529 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets at fair value through the income statement</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,097 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,428)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(174,639)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,030 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(202,519)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,598)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,887)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,738)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,830 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,851 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(53)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,164)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,634 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,212 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,212 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269,915 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(207,520)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(37,543)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(400,413)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,404)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">594,035 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,346 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(906)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,367)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,817 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345,711 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(141)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44,777)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,668)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">299,125 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,057 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,047)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46,144)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,924)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317,942 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total </span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,636,972 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(207,520)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38,590)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(446,557)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32,328)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">911,977 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022 | ifrs-full |
Disclosure Of Provision Matrix Explanatory
DisclosureOfProvisionMatrixExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below presents a stage allocation and business segment analysis of loans and advances at amortised cost by gross exposure, impairment allowance, impairment charge and coverage ratio as at 31 December 2022. Also included are stage allocation of off-balance sheet loan commitments and financial guarantee contracts by gross exposure, impairment allowance and coverage as at 31 December 2022.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment allowance under IFRS 9 considers both the drawn and the undrawn counterparty exposure. For retail portfolios, the total impairment allowance is allocated to gross loans and advances to the extent allowance does not exceed the drawn exposure and any excess is reported on the liabilities side of the balance sheet as a provision. For wholesale portfolios, impairment allowance on undrawn exposure is reported on the liability side of the balance sheet as a provision.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:23.604%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost by stage (audited)</span></td></tr><tr style="height:10pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment allowance</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td></tr><tr style="height:10pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160,424 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,837 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,711 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187,972 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">718 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">485 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,435 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,537 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,735 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,399 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,793 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,927 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">392 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,200 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">949 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,541 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,386 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,644 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">252 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">661 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,557 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">359 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">386 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,171 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group retail</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197,803 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,488 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,165 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232,456 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">627 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,942 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,793 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,362 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228,094 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,858 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,954 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">805 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,617 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">334 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,283 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117,692 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,298 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,098 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,088 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">301 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">265 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">312 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">878 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132,210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group wholesale</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">152,742 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,252 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,921 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">171,915 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">374 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,230 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">170,685 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350,545 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,740 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,086 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">404,371 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,057 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,316 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,219 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,592 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet loan commitments and financial guarantee contracts</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372,945 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,694 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,180 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">404,819 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">245 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">583 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">404,236 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">723,490 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77,434 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,266 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">809,190 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,302 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,631 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,242 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,175 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">803,015 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan impairment charge and loan loss rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:13pt"><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan impairment charge/(release)</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan loss rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:10pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">bps</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">763 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group retail</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34.7 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">932 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.9 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group wholesale</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.2 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.3 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,165 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet loan commitments and financial guarantee contracts</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets subject to impairment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.1 </span></td><td style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="background-color:#ebf5f7;border-bottom:0.5pt solid #6d6d6d;border-top:0.5pt solid #6d6d6d;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Includes Wealth and Private Banking exposures measured on an individual customer exposure basis, and excludes Business Banking exposures, including lending under the government backed Bounce Back Loan Scheme (BBLS) of £6.6bn that are managed on a collective basis and reported within BUK Retail. The net impact is a difference in total exposure of £3.8bn of balances reported as wholesale loans in the Loans and advances at amortised cost by product disclosure.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Excludes loan commitments and financial guarantees of £14.9bn carried at fair value.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £180.1bn and impairment allowance of £163m. This comprises £10m ECL on £178.4bn Stage 1 assets, £9m on £1.5bn Stage 2 fair value through other comprehensive income assets, other assets, cash collateral and settlement assets and £144m on £149m Stage 3 other assets.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d The loan loss rate is 30bps after applying the total impairment charge of £1,220m</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:23.604%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="33" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span id="i7399c0738d2340ca9a5e6e676a1b183d_0-0-1-11-1533933"/><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost by stage (audited)</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment allowance</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160,695 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,779 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,915 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,389 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">949 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">728 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,938 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184,451 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,981 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,691 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,566 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,238 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">603 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">795 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">858 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,256 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,982 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">429 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">705 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,869 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">347 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,484 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group retail</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,411 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,899 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,186 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">221,496 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">866 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,780 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,933 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,579 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216,917 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,571 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,917 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">969 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,457 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,150 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,341 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,275 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,059 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106,675 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">458 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">837 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105,838 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">565 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">546 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group wholesale</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,454 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,194 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,049 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,697 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">340 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">235 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">588 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,163 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144,534 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318,865 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,093 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,235 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,193 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,206 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,015 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,521 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,742 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet loan commitments and financial guarantee contracts</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">312,142 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,815 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,298 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348,255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">217 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">347,713 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #545456;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">631,007 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,908 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,533 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">715,448 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,423 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,317 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,544 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,284 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #545456;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">709,164 </span></td><td style="border-top:0.5pt solid #545456;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #545456;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan impairment charge and loan loss rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:13pt"><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan impairment charge</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan loss rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2 </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">bps</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.0 </span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group retail</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.3 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.5 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(197)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Group wholesale</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28.7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(75)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34.8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(121)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet loan commitments and financial guarantee contracts</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(514)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets subject to impairment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.8 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(653)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Included in the above analysis are Wealth and Private Banking exposures measured on an individual customer exposure basis, and excludes Business Banking exposures including BBLS of £9.4bn that are managed on a collective basis and reported within BUK Retail. The net impact is a difference in total exposure of £6.0bn of balances reported as wholesale loans in the Loans and advances at amortised cost by product disclosure.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Excludes loan commitments and financial guarantees of £18.8bn carried at fair value.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £155.2bn and impairment allowance of £114m. This comprises £6m ECL on £154.9bn Stage 1 assets, £1m on £0.157bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement balances and £107m on £110m Stage 3 other assets.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below presents a breakdown of loans and advances at amortised cost and the impairment allowance with stage allocation by asset classification.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:40.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-top:0.5pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost by product (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.5pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Not past due</span></td><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><=30 days past due</span></td><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">>30 days past due</span></td><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #006aa2;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153,672 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,990 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,684 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">526 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,200 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,414 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,286 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #006aa2;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,175 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,126 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">576 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,099 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,396 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">152,698 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,194 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,441 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,550 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,689 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350,545 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,310 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,231 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,199 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,740 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,086 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">404,371 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment allowance</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">582 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,483 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,832 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,278 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,692 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">527 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,384 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,057 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,939 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,316 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,219 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,592 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net exposure</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153,643 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,937 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,673 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">517 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,127 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,000 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173,770 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,593 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,643 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">268 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">356 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,267 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">844 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,704 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">152,252 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,791 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,030 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,023 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,305 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">349,488 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,371 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,085 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">968 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,424 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,867 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Coverage ratio</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.1</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.8</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32.5</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38.2</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.6</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60.2</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.7</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.3</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.3</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4</span></td></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,058 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,133 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,660 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">707 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,500 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,680 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,840 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,102 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">248 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,650 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,332 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,822 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132,967 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">306 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">391 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,943 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,781 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,691 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318,865 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,481 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,266 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,346 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,093 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,235 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,193 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #929292;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment allowance</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">475 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">824 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,493 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,701 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,504 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,029 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">248 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">620 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,238 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,206 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,787 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,015 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,521 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,742 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net exposure</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,039 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,087 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,654 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,441 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,725 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,205 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,016 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,609 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">215 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,949 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">828 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132,604 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,998 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,688 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317,659 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,694 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,171 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,213 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,078 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,714 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Coverage ratio</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.7</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49.6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30.1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.8</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.9</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34.8</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6</span></td></tr></table></div> | |
| CY2022Q4 | bcs |
Impairment Allowance Coverage Ratio
ImpairmentAllowanceCoverageRatio
|
0.008 | |
| CY2022 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
1220000000 | gbp |
| CY2022 | bcs |
Loan Loss Rate
LoanLossRate
|
0.0030 | |
| CY2022 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
1220000000 | gbp |
| CY2021Q4 | bcs |
Impairment Allowance Coverage Ratio
ImpairmentAllowanceCoverageRatio
|
0.009 | |
| CY2021 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
-653000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Credit Risk Explanatory
DisclosureOfCreditRiskExplanatory
|
The following tables present a reconciliation of the opening to the closing balance of the exposure and impairment allowance. An explanation of the methodology used to determine credit impairment provisions is included in Note 8. Transfers between stages in the tables have been reflected as if they had taken place at the beginning of the year. The movements are measured over a 12-month period.<div style="margin-top:2pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:36.178%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.742%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,058 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,500 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,680 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">475 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,747)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,747 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,489 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,489)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(400)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(725)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,125 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(261)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,028 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,142 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,176 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,846)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,081)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(125)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,052)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,942)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,123)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(426)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16,491)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153,672 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,200 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,414 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,286 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,840 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">824 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,650 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,701 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,332 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,504 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,822 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,029 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,474)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,474 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,941 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">489 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,941)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(489)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(649)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(707)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(307)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,356 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">327 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(112)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">769 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,265 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">489 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">137 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,246 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(887)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,199 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">736 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">787 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,624 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">636 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,996)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(341)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(228)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(60)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,565)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(159)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(275)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(169)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(463)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(184)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,287)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,287)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,287)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,287)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,175 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">582 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,099 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,832 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,278 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,396 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,692 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132,967 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,943 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,781 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">620 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,691 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,238 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,488)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,488 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,258 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,258)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(55)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,480)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(684)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,164 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(543)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,490 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,104 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">239 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,833 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(374)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(504)</span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,799 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">154 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,504)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,647 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">950 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26,540)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,812)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(232)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(57)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,584)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(146)</span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,512)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,592)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">152,698 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,441 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,550 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">527 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,689 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,384 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Business activity in the year does not include additional drawdowns on the existing facility which are reported under 'Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes'. Business activity reported within Credit cards, unsecured loans and other retail lending portfolio includes GAP portfolio acquisition in US cards of £2.7bn.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Final repayments include repayment from the facility closed during the year whereas partial repayments from existing facility are reported under 'Net drawdowns, repayments, net remeasurement and movements due to exposure and risk parameter changes'. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c In 2022, gross write-offs amounted to £1,620m (2021: £1,836m). In Q422, £329m of balances with de minimis recovery expectations were written off in line with policy in UK Cards and Unsecured loans. Post write-off recoveries amounted to £64m (2021: £66m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £1,556m (2021: £1,770m). </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £180.1bn (December 2021: £155.2bn) and impairment allowance of £163m (December 2021: £114m). This comprises £10m ECL (December 2021: £6m) on £178.4bn Stage 1 assets (December 2021: £154.9bn), £9m (December 2021: £1m) on £1.5bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2021: £157m) and £144m (December 2021: £107m) on £149m Stage 3 other assets (December 2021: £110m)</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Refinements to models used for calculation reported within Credit cards, unsecured loans and other retail lending portfolio include a £0.3bn movement in US Cards and £(0.2)bn in UK Cards. Wholesale loans include a £(0.5)bn movement in Business Banking. Refinement to models reflect model enhancements made during the year. Barclays continually review the output of models to determine accuracy of the ECL calculation including review of model monitoring, external benchmarking and experience of model operation over an extended period of time. This ensures that the models used continue to reflect the risks inherent across the businesses. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">f The £0.5bn disposals reported within Credit cards, unsecured loans and other retail lending portfolio includes £0.2bn sale of NFL portfolio within US Cards and £0.3bn of debt sales undertaken during the year. The £1.6bn disposal reported within Wholesale loans includes sale of debt securities as part of Group Treasury Operations.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">g 'Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes' reported within Wholesale loans also include assets of £1.3bn de-recognised due to payment received on defaulted loans from government guarantees issued under government’s Bounce Back Loans Scheme.</span></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:62.964%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.883%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.883%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.883%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.887%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reconciliation of ECL movement to credit impairment charge/(release) for the period</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,230 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,134 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">499 </span></td><td style="background-color:#ebf5f7;border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement excluding assets derecognised due to disposals and write-offs</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(145)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">312 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,534 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,701 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement on loan commitments and other financial guarantees</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement on other financial assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recoveries and reimbursements</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(122)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(63)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(78)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(263)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total exchange and other adjustments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(308)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total credit impairment charge for the year</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £180.1bn (December 2021: £155.2bn) and impairment allowance of £163m (December 2021: £114m). This comprises £10m ECL (December 2021: £6m) on £178.4bn Stage 1 assets (December 2021: £154.9bn), £9m (December 2021: £1m) on £1.5bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2021: £157m) and £144m (December 2021: £107m) on £149m Stage 3 other assets (December 2021: £110m).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Recoveries and reimbursements includes £199m for reimbursements expected to be received under the arrangement where Group has entered into financial guarantee contracts which provide credit protection over certain assets with third parties and cash recoveries of previously written off amounts of £64m.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Includes foreign exchange and interest and fees in suspense.</span></div><div><span><br/></span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:32.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.199%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments and financial guarantees (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,833 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">532 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,368 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,793)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,820)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(368)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(412)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,714 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">450 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,170 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122,819 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,718 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,755 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,390)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,050 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">340 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,204 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">451 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,669 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,633 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,949)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(151)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,533 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,212)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(503)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(89)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,804)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159,054 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,767 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">332 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">166,153 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">171 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178,490 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,565 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,077 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,132 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,826 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,759)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,683 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,233 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,931 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,353 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,953 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,444 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54,175)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,515)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(65)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(321)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64,011)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(96)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,177 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,477 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">225 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">842 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">226,496 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.151%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138,639 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,312 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,234 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">421 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160,185 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">538 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,672)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,672 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,336 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,336)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(282)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(469)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">751 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">203 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,744 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,243 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,991 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,131)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,090)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,437)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,039)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,009)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(392)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,440)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(572)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(598)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,058 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,500 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,680 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">475 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,021 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">680 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,320 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,769 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,172 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,251 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,513 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,700 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,894)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(78)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,894 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,717 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,174 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,717)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(529)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(790)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(370)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,319 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">392 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(87)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,842 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">257 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200 </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,793)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,030)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(848)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(165)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">620 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,806)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,579)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(498)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(212)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(92)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,289)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(171)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(287)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(287)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,450)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,450)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,450)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,450)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,840 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">824 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,650 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,701 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,332 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,504 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,822 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,029 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119,304 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,374 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">711 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,591 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,066 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144,269 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,097 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 1 to Stage 2</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,115)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,115 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 2 to Stage 1</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,137 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">257 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,137)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(257)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(804)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(377)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,181 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers from Stage 3</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">580 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">410 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(990)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,804 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,774 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,861 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Refinements to models used for calculation</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(417)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(268)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">721 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(211)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(269)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final repayments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22,219)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,734)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(545)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(131)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,498)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(339)</span></td><td style="border-right:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,303)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(203)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(163)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,669)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-offs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(365)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(365)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(365)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(365)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132,967 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,943 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,781 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">620 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,691 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,238 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Business activity in the year does not include additional drawdowns on the existing facility which are reported under 'Net drawdowns, repayments, net re-measurement and movements due to exposure and risk parameter changes'. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Refinements to models used for calculation include a £34m movement in Home loans, £(24)m in Credit cards, unsecured loans and other retail lending and £19m in Wholesale loans. These reflect methodology changes made during the year. Barclays continually review the output of models to determine accuracy of the ECL calculation including review of model monitoring, external benchmarking and experience of model operation over an extended period of time. This ensures that the models used continue to reflect the risks inherent across the businesses.</span></div><div style="padding-left:9pt;text-indent:-9.07pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Final repayments include repayment from the facility closed during the year whereas partial repayments from existing facility are reported under 'Net drawdowns, repayments, net remeasurement and movements due to exposure and risk parameter changes'.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d The £598m disposals reported within Home loans relate to transfer of facilities to a non-consolidated special purpose vehicle for the purpose of securitisation. The £287m disposals reported within Credit cards, unsecured loans and other retail lending portfolio relate to debt sales undertaken during the year. The £1.7bn disposal reported within Wholesale loans include a £1.0bn sale of Barclays Asset Finance and a £0.7bn of debt sales.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e In 2021, gross write-offs amounted to £1,836m (2020: £1,964m) and post write-off recoveries amounted to £66m (2020: £35m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £1,770m (2020: £1,929m).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">f Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £155.2bn (December 2020: £180.3bn) and impairment allowance of £114m (December 2020: £165m). This comprises £6m ECL (December 2020: £11m) on £154.9bn Stage 1 assets (December 2020: £175.7bn), £1m (December 2020: £9m) on £157m Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2020: £4.4bn) and £107m (December 2020: £145m) on £110m Stage 3 other assets (December 2020: £154m).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">g Transfers and risk parameters change include a £0.3bn (2020: £0.6bn) net release in ECL arising from reclassification of £1.9bn (2020: £2.0bn) gross loans and advances from Stage 2 to Stage 1 in Credit cards, unsecured loans and other retail lending. The reclassification followed a review of back-testing of results which indicated that accuracy of origination probability of default characteristics require management adjustments to correct and was first established in Q220.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:509.25pt"><tr><td style="width:1.0pt"/><td style="width:324.25pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.75pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:43.75pt"/><td style="width:1.0pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reconciliation of ECL movement to credit impairment charge/(release) for the period</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(25)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="border-right:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,068)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">908 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="border-right:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(450)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-left:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(426)</span></td><td style="border-right:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement excluding assets derecognised due to disposals and write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188 </span></td><td style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,543)</span></td><td style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #c6c6c6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871 </span></td><td style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(484)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement on loan commitments and financial guarantees</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(456)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(522)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL movement on other financial assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recoveries and reimbursements</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">224 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(43)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total exchange and other adjustments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total credit impairment release for the year</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(653)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £155.2bn (December 2020: £180.3bn) and impairment allowance of £114m (December 2020: £165m). This comprises £6m ECL (December 2020: £11m) on £154.9bn Stage 1 assets (December 2020: £175.7bn), £1m (December 2020: £9m) on £157mn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2020: £4.4bn) and £107m (December 2020: £145m) on £110m Stage 3 other assets (December 2020: £154m).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Recoveries and reimbursements includes a net reduction in amounts recoverable from financial guarantee contracts held with third parties of £306m and cash recoveries of previously written off amounts of £66m.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Includes foreign exchange and interest and fees in suspense.</span></div><div><span><br/></span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.151%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments and financial guarantees (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">ECL</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,861 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,382 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(131)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,034 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,034 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,556)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,624)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(375)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(424)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,833 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">532 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,368 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114,371 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,117 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">305 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126,717 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">383 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,769 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,379)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(213)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">610 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,206 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,638 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(742)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(207)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">217 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(526)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,051)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(241)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,785)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(667)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(97)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,549)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122,819 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,718 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,755 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163,707 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">201 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,258 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">453 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,096 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206,061 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">681 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net transfers between stages</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">221 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(215)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,053)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business activity in the year</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,085 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,658 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">116 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(229)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(151)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">515 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,183 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(233)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Limit management and final repayments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46,348)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,026)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(491)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(55,865)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(153)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178,490 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,565 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,077 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,132 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Reversal Allowance Account For Credit Losses Of Financial Assets
ReversalAllowanceAccountForCreditLossesOfFinancialAssets
|
263000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease Through Foreign Exchange And Other Movements Financial Assets
IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets
|
-308000000 | gbp |
| CY2022 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
1220000000 | gbp |
| CY2021 | ifrs-full |
Reversal Allowance Account For Credit Losses Of Financial Assets
ReversalAllowanceAccountForCreditLossesOfFinancialAssets
|
-240000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease Through Foreign Exchange And Other Movements Financial Assets
IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets
|
128000000 | gbp |
| CY2021 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
-653000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Additional Information Explanatory
DisclosureOfAdditionalInformationExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Management adjustments are captured through “Economic uncertainty” and “Other” adjustments presented by product below:</span></div><div style="padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.386%"><tr><td style="width:1.0%"/><td style="width:39.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.872%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Management adjustments to models for impairment allowance presented by product (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr style="height:23pt"><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment allowance pre management adjustments</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Economic uncertainty adjustments<br/>(a)</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other adjustments<br/>(b)</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Management adjustments <br/>(a+b)</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total impairment allowance</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">C</span></div></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Proportion of Management adjustments to total impairment allowance</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">427 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,543 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,863 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,680 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">195 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">116 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,796 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,650 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">525 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,175 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5</span></td></tr></table></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.386%"><tr><td style="width:1.0%"/><td style="width:39.078%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.872%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="border-top:0.5pt solid #2aabe4;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72 </span></td><td style="border-top:0.5pt solid #2aabe4;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="border-top:0.5pt solid #2aabe4;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103 </span></td><td style="border-top:0.5pt solid #2aabe4;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #2aabe4;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">475 </span></td><td style="border-top:0.5pt solid #2aabe4;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,798 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,217 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,160 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32.7</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,628 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(382)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,649 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,798 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,692 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(206)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,486 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,284 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.6</span></td></tr></table></div><div><span><br/></span></div><div style="padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.386%"><tr><td style="width:1.0%"/><td style="width:61.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Economic uncertainty adjustments presented by stage (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">195</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.386%"><tr><td style="width:1.0%"/><td style="width:61.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.275%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">803 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,217 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">741 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">908 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,692 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Positive values reflect an increase in impairment allowance and negative values reflect a reduction in the impairment allowance.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Includes £4.8bn (December 2021: £4.2bn) of modelled ECL, £0.4bn (December 2021: £0.5bn) of individually assessed impairments and £0.5bn (December 2021: £0.1bn) ECL from non-modelled exposures.</span></div>c Total impairment allowance consists of ECL stock on drawn and undrawn exposure. | |
| CY2022 | ifrs-full |
Analysis Of Credit Exposures Using External Credit Grading System Explanatory
AnalysisOfCreditExposuresUsingExternalCreditGradingSystemExplanatory
|
<div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Baseline average macroeconomic variables used in the calculation of ECL</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.8)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Downside 2 average macroeconomic variables used in the calculation of ECL</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.4)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.8)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18.3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18.8)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.0)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.0)</span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Average Real GDP seasonally adjusted change in year.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Average UK unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Change in year end UK HPI = Halifax All Houses, All Buyers index, relative to prior year end.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Average US civilian unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Change in year end US HPI = FHFA house price index, relative to prior year end.</span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Downside 1 average macroeconomic variables used in the calculation of ECL</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.5)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10.6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.8)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.7)</span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10.5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Upside 2 average macroeconomic variables used in the calculation of ECL</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.7 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Average Real GDP seasonally adjusted change in year.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Average UK unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Change in year end UK HPI = Halifax All Houses, All Buyers index, relative to prior year end.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Average US civilian unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Change in year end US HPI = FHFA house price index, relative to prior year end.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:43.671%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.949%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Upside 1 average macroeconomic variables used in the calculation of ECL</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Average Real GDP seasonally adjusted change in year.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Average UK unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Change in year end UK HPI = Halifax All Houses, All Buyers index, relative to prior year end.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Average US civilian unemployment rate 16-year+.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Change in year end US HPI = FHFA house price index, relative to prior year end.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:43.671%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.949%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scenario probability weighting (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"><span id="i56a6d724837e4a899dd452f6b4bf9d55_1-0-1-1-1533933"/></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Baseline</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 2</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scenario probability weighting</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scenario probability weighting</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.9 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.2 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.8 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.0 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:6.05pt">For further details on changes to scenario weights see page <a href="#i71905e25e6934d519e4c69feac849fcb_730" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:none">239</a>.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Specific bases shows the most extreme position of each variable in the context of the downside/upside scenarios, for example, the highest unemployment for downside scenarios, average unemployment for baseline scenarios and lowest unemployment for upside scenarios. GDP and HPI downside and upside scenario data represents the lowest and highest cumulative position relative to the start point, in the 20 quarter period.</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Macroeconomic variables (specific bases) (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Baseline</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.2)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.8)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17.9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35.0)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.3 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.6)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.6)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12.7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Average basis represents the average quarterly value of variables in the 20 quarter period with GDP and HPI based on yearly average and quarterly CAGRs respectively.</span></div><div style="margin-bottom:6.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Macroeconomic variables (5 year averages) (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Baseline</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> %</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.0)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank rate</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US GDP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US unemployment</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US HPI</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">g</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US federal funds rate</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a UK GDP = Real GDP growth seasonally adjusted; UK unemployment = UK unemployment rate 16-year+; UK HPI = Halifax All Houses, All Buyers Index; US GDP = Real GDP growth seasonally adjusted; US unemployment = US civilian unemployment rate 16-year+; US HPI = FHFA house price index. 20 quarter period starts from Q121 (2020: Q120).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Maximum growth relative to Q420 (2021: Q419), based on 20 quarter period in Upside scenarios; 5-year yearly average CAGR in Baseline; minimum growth relative to Q420 (2021: Q419), based on 20 quarter period in Downside scenarios.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Lowest quarter in Upside scenarios; 5-year average in Baseline; highest quarter in Downside scenarios. Period based on 20 quarters from Q121 (2021: Q120).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Maximum growth relative to Q420 (2021: Q419), based on 20 quarter period in Upside scenarios; 5-year quarter end CAGR in Baseline; minimum growth relative to Q420 (2021: Q419), based on 20 quarter period in Downside scenarios.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e 5-year yearly average CAGR, starting 2021 (2021: 2020).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">f 5-year average, Period based on 20 quarters from Q121 (2021: Q120).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">g 5-year quarter end CAGR, starting Q420 (2021: Q419).</span></div> | |
| CY2022 | bcs |
Weighted Expected Credit Loss Uplift Percentage
WeightedExpectedCreditLossUpliftPercentage
|
1 | |
| CY2022 | ifrs-full |
Explanation Of Inputs Assumptions And Estimation Techniques Used To Apply Impairment Requirements Explanatory
ExplanationOfInputsAssumptionsAndEstimationTechniquesUsedToApplyImpairmentRequirementsExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below shows the modelled ECL assuming each of the five modelled scenarios are 100% weighted with the dispersion of results around the Baseline, highlighting the impact on exposure and ECL across the scenarios.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Model exposure uses exposure at default (EAD) values and is not directly comparable to gross exposure used in prior disclosures. </span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:35.277%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.503%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.508%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Scenarios</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Baseline</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 2</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Model exposure (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144,701 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,754 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146,873 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,322 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142,599 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138,619 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b, c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,329 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,772 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,457 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,171 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80,921 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80,529 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,838 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">194,970 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192,218 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188,746 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181,247 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167,848 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Model ECL (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">592 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">562 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">579 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">594 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">604 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">610 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">325 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">245 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">274 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">308 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">382 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Coverage (%)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Model exposure (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,723 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,670 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,551 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,102 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,825 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,805 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b, c</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,414 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,131 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,817 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,535 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,377 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,456 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,634 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,503 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,255 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,726 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,226 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,624 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Model ECL (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,786 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,629 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,785 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,004 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,274 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">603 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">392 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">463 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">562 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">809 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,288 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Coverage (%)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Model exposure (£m)</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Model ECL (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">332 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">347 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">405 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,011 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,023 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,048 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,059 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Coverage (%)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Model ECL (£m)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">329 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">338 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">401 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">586 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,411 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,060 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,231 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,413 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,656 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,943 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">977 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">682 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">784 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">919 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,248 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,783 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total ECL</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,760 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,071 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,353 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,682 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,305 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,312 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:87.854%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.946%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reconciliation to total ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total weighted model ECL</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,760 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from individually assessed impairments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">434 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from non-modelled exposures and others</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">456 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from post model management adjustments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">525 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Of which: ECL from economic uncertainty adjustments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total ECL</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,175 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Model exposures are allocated to a stage based on an individual scenario rather than a probability-weighted approach, as required for Barclays reported impairment allowances. As a result, it is not possible to back solve the final reported weighted ECL from individual scenarios given balances may be assigned to a different stage dependent on the scenario.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b For Credit cards, unsecured loans and other retail lending, the model exposure movement between stages 1 and 2 across scenarios differs due to additional impacts from the undrawn exposure.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c For Credit cards, unsecured loans and other retail lending, the dispersion of results around Baseline has narrowed following model enhancements made during the year.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Model exposures allocated to Stage 3 does not change in any of the scenarios as the transition criteria relies only on an observable evidence of default as at 31 December 2022 and not on macroeconomic scenario.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Material wholesale loan defaults are individually assessed across different recovery strategies. As a result, ECL of £434m is reported as an individually assessed impairment in the reconciliation table.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:49.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.198%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="18" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Scenarios</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Upside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Baseline</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Downside 2</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Model exposure (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">137,279 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">139,117 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138,424 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">137,563 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135,544 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b, c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,783 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,758 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,771 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,821 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,698 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,315 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,249 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177,453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176,774 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,814 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161,998 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Model ECL (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">324 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">272 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">279 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">418 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">286 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">327 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 Coverage (%)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Model exposure (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,915 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,076 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,769 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,631 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,649 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,151 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b, c</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,500 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,447 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,757 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,084 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,689 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,452 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,256 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,052 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,732 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,054 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,692 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,507 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Model ECL (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,114 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">925 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">988 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,058 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,497 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,295 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">528 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">851 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,510 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 Coverage (%)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Model exposure (£m)</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">d</span></div></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Model ECL (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">303 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">292 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">295 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">299 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">346 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,236 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,277 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,297 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">322 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">332 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 Coverage (%)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Model ECL (£m)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">322</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">304</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">308</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">314</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">407</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,693</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,427</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,505</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,592</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,124</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,010</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,185</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,051</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,137</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,504</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,192</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total ECL</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,200</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,723</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,864</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,043</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,976</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,609</span></td></tr></table></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:87.838%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.962%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reconciliation to total ECL</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total weighted model ECL</span></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,200 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from individually assessed impairments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from non-modelled exposures and others</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">ECL from post model management adjustments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">f</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,486 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which: ECL from economic uncertainity adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,692 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total ECL</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,284 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Model exposures are allocated to a stage based on an individual scenario rather than a probability-weighted approach, as required for Barclays reported impairment allowances. As a result, it is not possible to back solve the final reported weighted ECL from individual scenarios given balances may be assigned to a different stage dependent on the scenario.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b For Credit cards, unsecured loans and other retail lending, the model exposure movement between stages 1 and 2 across scenarios differs due to additional impacts from the undrawn exposure. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c In 2021, Loans & Advances at Amortised Cost were used as Modelled Exposure for the International Consumer Bank within this disclosure. The process was revised in 2022 to incorporate Exposure at Default (EAD) with no impact to ECL. This has been represented in Prior Year comparatives.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d Model exposures allocated to Stage 3 does not change in any of the scenarios as the transition criteria relies only on an observable evidence of default as at 31 December 2021 and not on macroeconomic scenario.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Material wholesale loan defaults are individually assessed across different recovery strategies. As a result, ECL of £524m is reported as an individually assessed impairment in the reconciliation table.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">f Post Model Adjustments include negative adjustments reflecting operational post model adjustments.</span></div> | |
| CY2022 | bcs |
Weighted Expected Credit Loss Uplift Percentage
WeightedExpectedCreditLossUpliftPercentage
|
1 | |
| CY2022 | ifrs-full |
Explanation Of Credit Risk Management Practices And How They Relate To Recognition And Measurement Of Expected Credit Losses Explanatory
ExplanationOfCreditRiskManagementPracticesAndHowTheyRelateToRecognitionAndMeasurementOfExpectedCreditLossesExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.626%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.949%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk concentrations by geography (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">United<br/>Kingdom</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Americas</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Europe</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Asia</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Africa and Middle East</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129,000 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,830 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73,677 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,442 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,572 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,058 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,467 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,058 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">270,554 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,851 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,484 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,504 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,386 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,333 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,490 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,970 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,299 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,581 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,673 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,024 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106,741 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,355 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,538 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,819 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207,477 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99,053 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101,407 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77,146 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,299 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,475 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,692 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,666 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,842 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,562 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,054 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,473 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">589,571 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430,799 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">282,973 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,488 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,912 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,413,743 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,485 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,297 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,811 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">402 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103,575 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240,356 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,479 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,334 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,764 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">395,508 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,060 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">251,653 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,290 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,544 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,166 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">419,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">699,631 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">682,452 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">332,263 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96,032 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,078 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,833,456 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114,959 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,846 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,789 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,249 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,469 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,822 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,260 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">742 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">270,261 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,599 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,352 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,039 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">401 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,508 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,926 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,539 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,092 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,943 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">889 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,737 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95,478 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,083 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,800 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,999 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,097 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,710 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,010 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,247 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,709 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,896 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,661 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,391 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,235 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,164 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">400 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,851 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">949 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,212 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">548,461 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363,567 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">263,117 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,213 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,557 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269,915 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,527 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,328 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,957 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,131 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,346 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105,844 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192,303 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,523 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,104 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,937 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345,711 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Total off-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111,371 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,631 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,480 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,235 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,340 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,057 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">659,832 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">566,198 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307,597 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,448 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,897 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,636,972 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.098%"/><td style="width:0.1%"/></tr><tr><td colspan="39" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk concentrations by industry (audited)</span></td></tr><tr style="height:54pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Banks</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other financial<br/>insti-<br/>tutions</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Manu-<br/>facturing</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Const-<br/>ruction<br/>and <br/>property</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Govern-<br/>ment and central bank</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Energy<br/>and<br/>water</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Whole-<br/>sale<br/>and retail distri-<br/>bution<br/> and leisure</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Business<br/>and other<br/>services</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Home<br/>loans</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cards, <br/>unsecured<br/>loans and <br/>other personal <br/>lending</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">731 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,557 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,083 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,740 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,265 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">269 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">586 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,726 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,181 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,025 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,029 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,989 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,626 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,362 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,020 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173,815 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,913 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,093 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">634 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,663 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,314 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,007 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,405 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,355 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,330 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">789 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,782 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,028 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,673 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,838 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149,328 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">712 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,524 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,609 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">479 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,053 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,255 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">482 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207,477 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127,391 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153,013 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,095 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">597 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,027 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,778 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,541 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,175 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,763 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,918 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">758 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,682 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">379 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,054 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">494 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">975 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">203,765 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">444,624 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,077 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,383 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">408,535 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,201 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,308 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,427 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,087 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,996 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,340 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,413,743 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,108 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,193 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,695 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,430 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,818 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,891 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,165 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,627 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,135 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,840 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,671 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,951 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,599 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,501 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,607 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,759 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,137 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,223 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158,599 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,621 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">395,508 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,948 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,864 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,646 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,029 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,319 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,498 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,924 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,764 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,223 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158,742 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,756 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">419,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516,488 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,723 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,412 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411,854 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,699 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,232 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,191 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187,310 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">209,738 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,096 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,833,456 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On-balance sheet:</span></td><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #2aabe4;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,448 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,811 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,581 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">320 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,526 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">390 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">366 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,519 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,332 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,701 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,722 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,827 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,345 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,455 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,198 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,034 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">645 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,049 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">533 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,586 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,817 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,881 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,097 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,043 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,734 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,716 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,941 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,074 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131,264 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">771 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,999 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,945 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,595 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">428 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,097 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120,666 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117,400 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,898 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,233 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,544 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,696 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,794 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,441 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,274 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">662 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,872 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">455 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,851 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">618 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">450 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,212 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188,412 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">358,241 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,843 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,460 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">378,966 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,409 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,604 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,203 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">170,800 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,287 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,690 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269,915 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,006 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,356 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,080 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,341 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,682 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,284 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,209 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,518 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,797 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,346 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,395 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,071 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,587 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,673 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,461 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,299 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,682 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,656 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121,680 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,845 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345,711 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,401 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,427 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,667 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,014 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,044 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,745 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,508 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,200 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,656 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121,753 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,642 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,057 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,813 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">418,668 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62,510 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,474 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">382,010 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,154 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,112 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,403 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182,456 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,040 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,332 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,636,972 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022 | ifrs-full |
Disclosure Of Internal Credit Exposures Explanatory
DisclosureOfInternalCreditExposuresExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.151%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance sheet credit quality (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.0 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.60 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11.35 to 100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.0 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.60 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11.35 to 100%</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101,365 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,944 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167,368 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,866 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,536 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173,770 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,364 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,107 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,233 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,704 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,881 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,327 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,097 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174,305 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318,613 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,300 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,866 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,253 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,891 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">331 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,475 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,214 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,273 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,711 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,198 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,467 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,164 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,042 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,673 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,684 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,630 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,429 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,122 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,062 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,249 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124,794 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,548 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141,698 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,051 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,728 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207,477 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">284,491 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,606 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,051 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,054 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,599 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:0 1pt"></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,223,411 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176,125 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,207 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,413,743 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:20pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.920%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.151%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance sheet credit quality (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.0 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.60 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11.35 to 100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.0 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">0.60 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">11.35 to 100%</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,257 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,275 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost:</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Home loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161,314 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,547 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,344 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured loans and other retail lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,664 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,293 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,836 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wholesale loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,823 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,437 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,193 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291,801 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,277 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,373 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,141 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets:</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,652 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">477 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,864 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,144 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">209 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,525 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total trading portfolio assets</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,824 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,879 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">686 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,389 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement:</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,642 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,979 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,667 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">864 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,305 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108,437 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,047 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">530 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,014 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets at fair value through the income statement</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129,561 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,908 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">628 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,097 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">246,628 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,678 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">266 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,845 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,851 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,155 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,212 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet</span></td><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,101,786 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,164 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,965 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269,915 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022 | ifrs-full |
Analysis Of Credit Exposures Using Internal Credit Grading System Explanatory
AnalysisOfCreditExposuresUsingInternalCreditGradingSystemExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span id="ia0e53ca95d674858a0672bfb299a4d19_3519"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Credit exposures by internal PD grade</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The below tables represent credit risk profile by PD grade for loans and advances at amortised cost, contingent liabilities and loan commitments.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Stage 1 higher risk assets, presented gross of associated collateral held, are of weaker credit quality but have not significantly deteriorated since origination. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IFRS 9 Stage 1 and Stage 2 classification is not dependent solely on the absolute probability of default but on elements that determine a Significant Increase in Credit Risk (see Note 8), including relative movement in probability of default since initial recognition. There is therefore no direct relationship between credit quality and IFRS 9 stage classification.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:6.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.860%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.860%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.527%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.532%"/><td style="width:0.1%"/></tr><tr><td colspan="39" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk profile by internal PD grade for loans and advances at amortised cost (audited)</span></td></tr><tr style="height:11pt"><td colspan="9" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross carrying amount</span></td><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allowance for ECL</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio</span></td></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Grading</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit quality description</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108,494 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,787 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,286 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,244 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120,780 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,093 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129,873 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129,840 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,895 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,234 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,174 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,868 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,635 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,503 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,355 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,855 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,856 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,711 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,162 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,212 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,932 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,144 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">539 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">699 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,445 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,320 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,189 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,509 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">328 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">488 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">816 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,693 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,121 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,909 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,030 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">962 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,029 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,001 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,081 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,081 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,216 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,216 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,865 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">350,545 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,740 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,086 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">404,371 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,057 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,316 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,219 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,592 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95,795 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,554 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97,349 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97,058 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,818 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,584 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87,402 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87,380 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,409 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,722 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,131 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,078 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,794 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,649 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,443 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,285 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,654 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,090 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,744 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">264 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">590 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,977 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,645 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,622 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">230 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">780 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,010 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,612 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,364 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,936 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">425 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,511 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">846 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,485 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">593 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">672 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,659 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,235 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,235 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,521 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,521 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,714 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318,865 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,093 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,235 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367,193 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,206 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,015 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,521 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,742 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:6.728%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.750%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.750%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.558%"/><td style="width:0.1%"/></tr><tr><td colspan="39" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk profile by internal PD grade for contingent liabilities (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr style="height:11pt"><td colspan="9" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross carrying amount</span></td><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allowance for ECL</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio</span></td></tr><tr style="height:14pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Grading</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit quality description</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,695 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,844 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,836 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,558 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,555 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,733 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,913 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,907 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,161 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">214 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,375 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,366 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,989 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">751 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,740 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,713 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">910 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">496 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,406 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,381 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">716 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">906 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">847 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">440 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">498 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">432 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">539 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,472 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,768 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,782 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">206 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,576 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,389 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,561 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,552 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,929 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">503 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,432 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,428 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,195 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,191 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,794 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,010 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,005 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,990 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">287 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,277 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,250 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">817 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">479 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,296 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,281 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">607 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">861 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">798 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,162 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,303 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,223 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,663 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,272 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,115 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">209 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,906 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:6.728%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.750%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.750%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.558%"/><td style="width:0.1%"/></tr><tr><td colspan="39" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk profile by internal PD grade for loan commitments (audited)</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr style="height:11pt"><td colspan="9" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross carrying amount</span></td><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allowance for ECL</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net exposure</span></td><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Coverage ratio</span></td></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Grading</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">PD range</span></td><td colspan="3" rowspan="2" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Credit quality description</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-bottom:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="9" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,077 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">752 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,829 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,825 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85,917 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,004 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,921 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,913 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67,381 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,349 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,730 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,715 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,553 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,081 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,634 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,615 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,465 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,146 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,068 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,398 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,010 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,408 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,338 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,976 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,058 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,956 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">706 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,991 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,697 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,612 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">638 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">638 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">618 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">353,473 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,926 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">638 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">382,037 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">377 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">381,660 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 - 3</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 to <0.05%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,204 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,034 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107,238 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107,228 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 - 5</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.05 to <0.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,986 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,510 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,495 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 - 8</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.15 to <0.30%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,968 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,387 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,355 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,341 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 - 11</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.30 to <0.60%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Strong</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,539 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,063 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,049 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 - 14</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.60 to <2.15%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,065 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,713 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,778 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,667 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 - 19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 to <10%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,091 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,516 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,607 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,549 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 to <11.35%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Satisfactory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,407 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,091 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,498 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,477 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 - 21</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.35 to <100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Higher Risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,219 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,754 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,973 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,904 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Impaired</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,118 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,118 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,097 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">294,479 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,543 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,118 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">327,140 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326,807 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Excludes loan commitments and financial guarantees of £14.9bn (2021: £18.8bn) carried at fair value.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Maturity Analysis For Financial Assets Held For Managing Liquidity Risk Explanatory
DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below provides detail on the contractual maturity of all financial instruments and other assets and liabilities. Derivatives (other than those designated in a hedging relationship) and trading portfolio assets and liabilities are included in the ‘on demand’ column at their fair value. Liquidity risk on these items is not managed on the basis of contractual maturity since they are not held for settlement according to such maturity and will frequently be settled before contractual maturity at fair value. Derivatives designated in a hedging relationship are included according to their contractual maturity.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.943%"><tr><td style="width:1.0%"/><td style="width:17.435%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.224%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.125%"/><td style="width:0.1%"/></tr><tr><td colspan="36" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contractual maturity of financial assets and liabilities (audited)</span></td></tr><tr style="height:39pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> On<br/>demand </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Not more<br/>than three<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>months but<br/>not more<br/>than six<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over six<br/>months but<br/>not more<br/>than nine months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over nine<br/>months but<br/>not more<br/>than one year </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over one<br/>year <br/>but not<br/>more than<br/>two years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over two<br/>years but<br/>not more<br/>than three<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>years but<br/>not more<br/>than five<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over five<br/>years but<br/>not more<br/>than ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Total </span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,097 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,351 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,977 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109,620 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,597 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,764 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,719 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,716 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,275 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,942 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,790 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,325 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,519 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,539 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177,190 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">648 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,813 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,813 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,071 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,644 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,771 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,718 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,047 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,491 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,922 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,320 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">213,568 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">301,647 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,433 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,535 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,687 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,395 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,206 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,560 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,418 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,385 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,435 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,062 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,177 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,656 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">744,937 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">278,549 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,088 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,750 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,427 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,597 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,159 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,274 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,237 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187,964 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,484,982 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,717 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,513,699 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">443,736 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,076 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,388 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,090 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,575 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,263 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">327 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">499 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">589 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">239 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">545,782 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,932 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93,995 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96,927 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,562 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">943 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,105 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,034 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,069 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,052 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,109 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,259 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,582 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,294 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,435 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,817 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,808 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,526 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,051 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112,881 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,181 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,987 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,493 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,483 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,423 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72,924 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72,924 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,844 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,733 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,352 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,812 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,000 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,548 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,528 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,708 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,820 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">271,637 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288,573 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">273 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">289,620 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,803 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">391 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,156 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">819,351 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">394,340 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,105 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,095 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,846 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,402 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,979 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,411 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,763 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,110 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,437,402 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,037 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,444,439 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cumulative liquidity gap</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(74,414)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(190,205)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216,222)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(217,567)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(221,986)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(201,791)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(182,611)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(142,748)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(119,274)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,580 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,260 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:17.162%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.263%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.008%"/><td style="width:0.1%"/></tr><tr><td colspan="36" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contractual maturity of financial assets and liabilities (audited)</span></td></tr><tr style="height:39pt"><td colspan="3" rowspan="2" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> On<br/>demand </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Not more<br/>than three<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>months but<br/>not more<br/>than six<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over six<br/>months but<br/>not more<br/>than nine<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over nine<br/>months but<br/>not more<br/>than one<br/>year </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over one<br/>year <br/>but not<br/>more than<br/>two years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over two<br/>years but<br/>not more<br/>than three<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>years but<br/>not more<br/>than five<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over five<br/>years but<br/>not more<br/>than ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Total </span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,369 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,807 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,542 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,749 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,670 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,879 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,291 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,192 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,716 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,614 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,822 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">171,481 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,984 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,035 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,035 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,257 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127,085 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,281 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,889 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,394 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,590 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,564 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,419 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191,972 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,678 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">537 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,280 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,488 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,419 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,834 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,188 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,226 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,868 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">707 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">474 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,213 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">694,660 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">233,491 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,722 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,580 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,062 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,706 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,781 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,929 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,628 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">185,780 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,360,339 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,946 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,384,285 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">454,961 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,755 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,994 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,724 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,025 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">545 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">519,433 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,983 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,621 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,195 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,925 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,504 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,352 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,399 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,606 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,845 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,254 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,792 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,957 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,948 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,218 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,848 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98,867 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,007 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,218 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,063 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,885 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,603 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,882 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,759 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,339 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,900 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,857 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,268 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,588 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,540 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,114 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,734 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,366 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,254 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250,960 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,747 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">362 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,883 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,331 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">691 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">266 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">420 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">139 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,301 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">789,403 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311,405 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,052 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,241 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,829 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,394 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,814 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,880 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,274 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,803 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,307,095 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,149 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,314,244 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cumulative liquidity gap</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(94,743)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(172,657)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(195,987)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(201,648)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(198,415)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(186,103)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(172,136)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(142,087)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(107,733)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,244 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,041 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022Q4 | ifrs-full |
Cash And Bank Balances At Central Banks
CashAndBankBalancesAtCentralBanks
|
256351000000 | gbp |
| CY2022Q4 | ifrs-full |
Bank Acceptance Assets
BankAcceptanceAssets
|
112597000000 | gbp |
| CY2022Q4 | ifrs-full |
Loans And Receivables
LoansAndReceivables
|
398779000000 | gbp |
| CY2022Q4 | ifrs-full |
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
776000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
133813000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
213568000000 | gbp |
| CY2022Q4 | ifrs-full |
Derivative Financial Assets
DerivativeFinancialAssets
|
302380000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
65062000000 | gbp |
| CY2022Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
1656000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Assets
FinancialAssets
|
1484982000000 | gbp |
| CY2022Q4 | bcs |
Other Assets Including Amounts Held For Sale
OtherAssetsIncludingAmountsHeldForSale
|
28717000000 | gbp |
| CY2022Q4 | ifrs-full |
Assets
Assets
|
1513699000000 | gbp |
| CY2022Q4 | bcs |
Deposits At Amortised Cost
DepositsAtAmortisedCost
|
545782000000 | gbp |
| CY2022Q4 | ifrs-full |
Bank Acceptance Liabilities
BankAcceptanceLiabilities
|
96927000000 | gbp |
| CY2022Q4 | ifrs-full |
Repurchase Agreements And Cash Collateral On Securities Lent
RepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
27052000000 | gbp |
| CY2022Q4 | ifrs-full |
Debt Securities
DebtSecurities
|
112881000000 | gbp |
| CY2022Q4 | ifrs-full |
Subordinated Liabilities
SubordinatedLiabilities
|
11423000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
72924000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition
FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
|
271637000000 | gbp |
| CY2022Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
289620000000 | gbp |
| CY2022Q4 | ifrs-full |
Other Financial Liabilities
OtherFinancialLiabilities
|
9156000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Liabilities
FinancialLiabilities
|
1437402000000 | gbp |
| CY2022Q4 | bcs |
Other Liabilities Including Amounts Held For Sale
OtherLiabilitiesIncludingAmountsHeldForSale
|
7037000000 | gbp |
| CY2022Q4 | ifrs-full |
Liabilities
Liabilities
|
1444439000000 | gbp |
| CY2022Q4 | ifrs-full |
Equity
Equity
|
69260000000 | gbp |
| CY2021Q4 | ifrs-full |
Cash And Bank Balances At Central Banks
CashAndBankBalancesAtCentralBanks
|
238574000000 | gbp |
| CY2021Q4 | ifrs-full |
Bank Acceptance Assets
BankAcceptanceAssets
|
92542000000 | gbp |
| CY2021Q4 | ifrs-full |
Loans And Receivables
LoansAndReceivables
|
361451000000 | gbp |
| CY2021Q4 | ifrs-full |
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
3227000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
147035000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
191972000000 | gbp |
| CY2021Q4 | ifrs-full |
Derivative Financial Assets
DerivativeFinancialAssets
|
262572000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
61753000000 | gbp |
| CY2021Q4 | ifrs-full |
Other Financial Assets
OtherFinancialAssets
|
1213000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets
FinancialAssets
|
1360339000000 | gbp |
| CY2021Q4 | bcs |
Other Assets Including Amounts Held For Sale
OtherAssetsIncludingAmountsHeldForSale
|
23946000000 | gbp |
| CY2021Q4 | ifrs-full |
Assets
Assets
|
1384285000000 | gbp |
| CY2021Q4 | bcs |
Deposits At Amortised Cost
DepositsAtAmortisedCost
|
519433000000 | gbp |
| CY2021Q4 | ifrs-full |
Bank Acceptance Liabilities
BankAcceptanceLiabilities
|
79371000000 | gbp |
| CY2021Q4 | ifrs-full |
Repurchase Agreements And Cash Collateral On Securities Lent
RepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
28352000000 | gbp |
| CY2021Q4 | ifrs-full |
Debt Securities
DebtSecurities
|
98867000000 | gbp |
| CY2021Q4 | ifrs-full |
Subordinated Liabilities
SubordinatedLiabilities
|
12759000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
54169000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition
FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
|
250960000000 | gbp |
| CY2021Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
256883000000 | gbp |
| CY2021Q4 | ifrs-full |
Other Financial Liabilities
OtherFinancialLiabilities
|
6301000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Liabilities
FinancialLiabilities
|
1307095000000 | gbp |
| CY2021Q4 | bcs |
Other Liabilities Including Amounts Held For Sale
OtherLiabilitiesIncludingAmountsHeldForSale
|
7149000000 | gbp |
| CY2021Q4 | ifrs-full |
Liabilities
Liabilities
|
1314244000000 | gbp |
| CY2021Q4 | ifrs-full |
Equity
Equity
|
70041000000 | gbp |
| CY2022 | ifrs-full |
Maturity Analysis For Nonderivative Financial Liabilities
MaturityAnalysisForNonderivativeFinancialLiabilities
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below presents the cash flows payable by the Group under financial liabilities by remaining contractual maturities at the balance sheet date. The amounts disclosed in the table are the contractual undiscounted cash flows of all financial liabilities (i.e. nominal values).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The balances in the below table do not agree directly to the balances in the consolidated balance sheet as the table incorporates all cash flows, on an undiscounted basis, related to both principal as well as those associated with all future coupon payments.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Derivative financial instruments held for trading and trading portfolio liabilities are included in the on demand column at their fair value.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:24.453%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.179%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contractual maturity of financial liabilities - undiscounted (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> On<br/>demand </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Not more<br/>than three<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>months but<br/>not more<br/>than six<br/>months </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over six<br/>months but<br/>not more<br/>than one year </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over one<br/>year <br/>but not<br/>more than<br/>three years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over three<br/>years but<br/>not more<br/>than five<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over five<br/>years but<br/>not more<br/>than ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Over ten<br/>years </span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> Total </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> £m </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">443,736 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,235 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,393 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,798 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,606 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">499 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">706 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">376 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">546,349 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,932 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94,183 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97,115 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,575 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">946 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,920 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,234 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">252 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,183 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,226 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,375 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,165 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,964 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,790 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,207 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,871 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126,598 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">263 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,274 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,356 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,902 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,429 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,241 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72,924 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72,924 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,844 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187,126 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,905 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,399 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,662 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,847 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,345 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,754 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290,882 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288,573 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">722 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290,193 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,813 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">488 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">308 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">455 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,424 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">819,351 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">395,282 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,830 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,688 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,204 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,355 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,686 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,513 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,477,909 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">454,961 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,755 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,524 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,718 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,461 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">239 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">559 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">519,478 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,983 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,388 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,621 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,356 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,885 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,028 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,450 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,625 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,075 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,225 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,060 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,147 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,690 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107,272 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,063 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,379 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,213 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,316 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,627 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,867 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,465 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,169 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,339 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158,070 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,887 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,946 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,944 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,086 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,544 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,638 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260,454 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,747 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">305 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">449 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">257,002 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,344 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">932 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">327 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">502 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">162 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,619 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">789,403 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311,696 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,115 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,253 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,436 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,229 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,513 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,213 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,328,858 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022Q4 | bcs |
Deposits At Amortised Cost Undiscounted Cash Flows
DepositsAtAmortisedCostUndiscountedCashFlows
|
546349000000 | gbp |
| CY2022Q4 | bcs |
Cash Collateral And Settlement Balance Liabilities Undiscounted
CashCollateralAndSettlementBalanceLiabilitiesUndiscounted
|
97115000000 | gbp |
| CY2022Q4 | bcs |
Repurchase Agreements And Other Similar Secured Lending Undiscounted Cash Flows
RepurchaseAgreementsAndOtherSimilarSecuredLendingUndiscountedCashFlows
|
30183000000 | gbp |
| CY2022Q4 | bcs |
Debt Securities In Issue Undiscounted Cash Flows
DebtSecuritiesInIssueUndiscountedCashFlows
|
126598000000 | gbp |
| CY2022Q4 | bcs |
Subordinated Liabilities Undiscounted Cash Flows
SubordinatedLiabilitiesUndiscountedCashFlows
|
14241000000 | gbp |
| CY2022Q4 | bcs |
Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading Undiscounted Cash Flows
FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingUndiscountedCashFlows
|
72924000000 | gbp |
| CY2022Q4 | bcs |
Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition Undiscounted Cash Flows
FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognitionUndiscountedCashFlows
|
290882000000 | gbp |
| CY2022Q4 | ifrs-full |
Derivative Financial Liabilities Undiscounted Cash Flows
DerivativeFinancialLiabilitiesUndiscountedCashFlows
|
290193000000 | gbp |
| CY2022Q4 | bcs |
Other Financial Liabilities Undiscounted Cash Flows
OtherFinancialLiabilitiesUndiscountedCashFlows
|
9424000000 | gbp |
| CY2022Q4 | bcs |
Financial Liabilities Undiscounted Cash Flows
FinancialLiabilitiesUndiscountedCashFlows
|
1477909000000 | gbp |
| CY2021Q4 | bcs |
Deposits At Amortised Cost Undiscounted Cash Flows
DepositsAtAmortisedCostUndiscountedCashFlows
|
519478000000 | gbp |
| CY2021Q4 | bcs |
Cash Collateral And Settlement Balance Liabilities Undiscounted
CashCollateralAndSettlementBalanceLiabilitiesUndiscounted
|
79371000000 | gbp |
| CY2021Q4 | bcs |
Repurchase Agreements And Other Similar Secured Lending Undiscounted Cash Flows
RepurchaseAgreementsAndOtherSimilarSecuredLendingUndiscountedCashFlows
|
29028000000 | gbp |
| CY2021Q4 | bcs |
Debt Securities In Issue Undiscounted Cash Flows
DebtSecuritiesInIssueUndiscountedCashFlows
|
107272000000 | gbp |
| CY2021Q4 | bcs |
Subordinated Liabilities Undiscounted Cash Flows
SubordinatedLiabilitiesUndiscountedCashFlows
|
15465000000 | gbp |
| CY2021Q4 | bcs |
Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading Undiscounted Cash Flows
FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingUndiscountedCashFlows
|
54169000000 | gbp |
| CY2021Q4 | bcs |
Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition Undiscounted Cash Flows
FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognitionUndiscountedCashFlows
|
260454000000 | gbp |
| CY2021Q4 | ifrs-full |
Derivative Financial Liabilities Undiscounted Cash Flows
DerivativeFinancialLiabilitiesUndiscountedCashFlows
|
257002000000 | gbp |
| CY2021Q4 | bcs |
Other Financial Liabilities Undiscounted Cash Flows
OtherFinancialLiabilitiesUndiscountedCashFlows
|
6619000000 | gbp |
| CY2021Q4 | bcs |
Financial Liabilities Undiscounted Cash Flows
FinancialLiabilitiesUndiscountedCashFlows
|
1328858000000 | gbp |
| CY2022Q4 | ifrs-full |
Estimated Financial Effect Of Contingent Liabilities
EstimatedFinancialEffectOfContingentLiabilities
|
24205000000 | gbp |
| CY2022Q4 | bcs |
Documentary Credits And Other Short Term Trade Related Transactions
DocumentaryCreditsAndOtherShortTermTradeRelatedTransactions
|
1748000000 | gbp |
| CY2022Q4 | bcs |
Standby Facilities Credit Lines And Other Commitments
StandbyFacilitiesCreditLinesAndOtherCommitments
|
393760000000 | gbp |
| CY2022Q4 | bcs |
Commitments Given
CommitmentsGiven
|
419713000000 | gbp |
| CY2021Q4 | ifrs-full |
Estimated Financial Effect Of Contingent Liabilities
EstimatedFinancialEffectOfContingentLiabilities
|
21346000000 | gbp |
| CY2021Q4 | bcs |
Documentary Credits And Other Short Term Trade Related Transactions
DocumentaryCreditsAndOtherShortTermTradeRelatedTransactions
|
1584000000 | gbp |
| CY2021Q4 | bcs |
Standby Facilities Credit Lines And Other Commitments
StandbyFacilitiesCreditLinesAndOtherCommitments
|
344127000000 | gbp |
| CY2021Q4 | bcs |
Commitments Given
CommitmentsGiven
|
367057000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Financial Risk Management Explanatory
DisclosureOfFinancialRiskManagementExplanatory
|
<div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.743%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.979%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span id="ib4516d81181141d5b130df6bc2b1260d_0-0-1-1-1533933"/><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital ratios</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a,b</span></div></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CET1</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.1 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier 1 (T1)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total regulatory capital</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span id="ib4516d81181141d5b130df6bc2b1260d_7-0-1-1-1533933"/><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital resources (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total equity excluding non-controlling interests per the balance sheet</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,292</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,052</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less: other equity instruments (recognised as AT1 capital)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,284)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,259)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustment to retained earnings for foreseeable ordinary share dividends </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(787)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(666)</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustment to retained earnings for foreseeable other equity coupons</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(37)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other regulatory adjustments and deductions</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additional value adjustments (PVA)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,726)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,585)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill and intangible assets</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,224)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,804)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets that rely on future profitability excluding temporary differences</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,500)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,028)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value reserves related to gains or losses on cash flow hedges</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,237</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">852</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Excess of expected losses over impairment</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(119)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains or losses on liabilities at fair value resulting from own credit</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(620)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">892</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit pension fund assets</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,430)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,619)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Direct and indirect holdings by an institution of own CET1 instruments</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustment under IFRS 9 transitional arrangements</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,229</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other regulatory adjustments</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">396</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CET1 capital</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,878</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,327</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 capital </span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital instruments and related share premium accounts</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,284</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,259</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Qualifying AT1 capital (including minority interests) issued by subsidiaries </span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">637</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other regulatory adjustments and deductions</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(60)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 capital</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,224</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,816</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">T1 capital</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,102</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,143</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">T2 capital</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital instruments and related share premium accounts</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,000</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,713</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Qualifying T2 capital (including minority interests) issued by subsidiaries</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,113</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk adjustments (excess of impairment over expected losses)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other regulatory adjustments and deductions</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(160)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(160)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total regulatory capital</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,072</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,882</span></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total RWAs (Unaudited)</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">336,518</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">314,136</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a CET1, T1 and T2 capital, and RWAs are calculated applying the transitional arrangements of the CRR as amended by CRR II. This includes IFRS 9 transitional arrangements and the grandfathering of CRR II non-compliant capital instruments. December 2021 comparatives include the grandfathering of CRR non-compliant capital instruments.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b The fully loaded CET1 ratio, as is relevant for assessing against the conversion trigger in Barclays PLC AT1 securities, was 13.7%, with £46.2bn of CET1 capital and £336.3bn of RWAs calculated without applying the transitional arrangements of the CRR as amended by CRR II.</span></div> | |
| CY2022Q4 | ifrs-full |
Equity Attributable To Owners Of Parent
EquityAttributableToOwnersOfParent
|
68292000000 | gbp |
| CY2021Q4 | ifrs-full |
Equity Attributable To Owners Of Parent
EquityAttributableToOwnersOfParent
|
69052000000 | gbp |
| CY2022Q4 | ifrs-full |
Other Equity Interest
OtherEquityInterest
|
13284000000 | gbp |
| CY2021Q4 | ifrs-full |
Other Equity Interest
OtherEquityInterest
|
12259000000 | gbp |
| CY2022Q4 | bcs |
Adjustment To Retained Earnings For Foreseeable Dividends
AdjustmentToRetainedEarningsForForeseeableDividends
|
-787000000 | gbp |
| CY2021Q4 | bcs |
Adjustment To Retained Earnings For Foreseeable Dividends
AdjustmentToRetainedEarningsForForeseeableDividends
|
-666000000 | gbp |
| CY2022Q4 | bcs |
Adjustment To Retained Earnings For Foreseeable Other Equity Coupons
AdjustmentToRetainedEarningsForForeseeableOtherEquityCoupons
|
-37000000 | gbp |
| CY2021Q4 | bcs |
Adjustment To Retained Earnings For Foreseeable Other Equity Coupons
AdjustmentToRetainedEarningsForForeseeableOtherEquityCoupons
|
-32000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Effect Of Changes In Foreign Exchange Rates Explanatory
DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.682%"><tr><td style="width:1.0%"/><td style="width:32.134%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.031%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Functional currency of operations (audited)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Foreign currency net investments</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Borrowings which hedge the net investments</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivatives which hedge the net investments</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Structural currency exposures pre-economic hedges</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Economic hedges</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Remaining structural currency exposures</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">USD</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,441 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,363)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,086)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,992 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,688)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,304 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,461)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,312 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(283)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,029 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">JPY</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">689 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(197)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">492 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">492 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other currencies</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,330 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,676)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,654 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(279)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,375 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,236 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,824)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,962)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,450 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,250)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,200 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">USD</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,958 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,707)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,356)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,895 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,389)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,506 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,453 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,408)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,042 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(268)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,774 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">JPY</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">614 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(97)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">517 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">517 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other currencies</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,448 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,384 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,384 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,473 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,212)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,423)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,838 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,657)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,181 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022Q4 | bcs |
Financial Instrument Which Hedge Net Investments Hedges
FinancialInstrumentWhichHedgeNetInvestmentsHedges
|
16800000000 | gbp |
| CY2021Q4 | bcs |
Financial Instrument Which Hedge Net Investments Hedges
FinancialInstrumentWhichHedgeNetInvestmentsHedges
|
13600000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Sensitivity Analysis To Changes In Risk Exposures That Arise From Contracts Within Scope Of Ifrs17 Explanatory
DisclosureOfSensitivityAnalysisToChangesInRiskExposuresThatAriseFromContractsWithinScopeOfIFRS17Explanatory
|
<div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income sensitivity (AEaR) by business unit (audited)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">+25bps</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">-25bps</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(59)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(73)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">+25bps</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">-25bps</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(99)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(158)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s customer banking book hedging activity is risk reducing from an NII sensitivity perspective. The hedges in place remove interest rate risk and smooth income over the medium term. The NII sensitivity for the Group at 31 December 2022 without hedging in place for +/-25bp rate shocks would be £233m/£(281)m respectively.</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income sensitivity (AEaR) by currency (audited)</span></td></tr><tr style="height:15pt"><td colspan="3" rowspan="4" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="6" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">+25 basis points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">-25 basis points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">+25 basis points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">-25 basis points</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">GBP</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(85)</span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">USD</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(62)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">EUR</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other currencies</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(73)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(158)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of equity sensitivity (audited)</span></td><td colspan="6" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #026dce;border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">+25 basis<br/>points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">-25 basis<br/>points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">+25 basis<br/>points</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">-25 basis<br/>points</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(73)</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71</span></td><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(158)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Taxation effects on the above</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effect on profit for the year</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(58)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(125)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As percentage of net profit after tax</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effect on profit for the year (per above)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(58)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(125)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value through other comprehensive income reserve</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(291)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(479)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">408</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedge reserve</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(774)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">774</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(859)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">859</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Taxation effects on the above</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(291)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(342)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effect on equity</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(757)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">727</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(921)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">800</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As percentage of equity</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.1 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.3 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table> | |
| CY2022 | dei |
Auditor Firm
AuditorFirmId
|
1118 | |
| CY2022 | dei |
Auditor Name
AuditorName
|
KPMG LLP | |
| CY2022 | dei |
Auditor Location
AuditorLocation
|
London, United Kingdom | |
| CY2022 | ifrs-full |
Interest Revenue Calculated Using Effective Interest Method
InterestRevenueCalculatedUsingEffectiveInterestMethod
|
19096000000 | gbp |
| CY2021 | ifrs-full |
Interest Revenue Calculated Using Effective Interest Method
InterestRevenueCalculatedUsingEffectiveInterestMethod
|
11240000000 | gbp |
| CY2020 | ifrs-full |
Interest Revenue Calculated Using Effective Interest Method
InterestRevenueCalculatedUsingEffectiveInterestMethod
|
11892000000 | gbp |
| CY2022 | ifrs-full |
Interest Expense
InterestExpense
|
8524000000 | gbp |
| CY2021 | ifrs-full |
Interest Expense
InterestExpense
|
3167000000 | gbp |
| CY2020 | ifrs-full |
Interest Expense
InterestExpense
|
3770000000 | gbp |
| CY2022 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
10572000000 | gbp |
| CY2021 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
8073000000 | gbp |
| CY2020 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
8122000000 | gbp |
| CY2022 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
9637000000 | gbp |
| CY2021 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
9880000000 | gbp |
| CY2020 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
8641000000 | gbp |
| CY2022 | ifrs-full |
Fee And Commission Expense
FeeAndCommissionExpense
|
3038000000 | gbp |
| CY2021 | ifrs-full |
Fee And Commission Expense
FeeAndCommissionExpense
|
2206000000 | gbp |
| CY2020 | ifrs-full |
Fee And Commission Expense
FeeAndCommissionExpense
|
2070000000 | gbp |
| CY2022 | ifrs-full |
Fee And Commission Income Expense
FeeAndCommissionIncomeExpense
|
6599000000 | gbp |
| CY2021 | ifrs-full |
Fee And Commission Income Expense
FeeAndCommissionIncomeExpense
|
7674000000 | gbp |
| CY2020 | ifrs-full |
Fee And Commission Income Expense
FeeAndCommissionIncomeExpense
|
6571000000 | gbp |
| CY2022 | ifrs-full |
Trading Income Expense
TradingIncomeExpense
|
8049000000 | gbp |
| CY2021 | ifrs-full |
Trading Income Expense
TradingIncomeExpense
|
5794000000 | gbp |
| CY2020 | ifrs-full |
Trading Income Expense
TradingIncomeExpense
|
7029000000 | gbp |
| CY2022 | bcs |
Investment Income Expense
InvestmentIncomeExpense
|
-434000000 | gbp |
| CY2021 | bcs |
Investment Income Expense
InvestmentIncomeExpense
|
311000000 | gbp |
| CY2020 | bcs |
Investment Income Expense
InvestmentIncomeExpense
|
13000000 | gbp |
| CY2022 | ifrs-full |
Other Operating Income Expense
OtherOperatingIncomeExpense
|
170000000 | gbp |
| CY2021 | ifrs-full |
Other Operating Income Expense
OtherOperatingIncomeExpense
|
88000000 | gbp |
| CY2020 | ifrs-full |
Other Operating Income Expense
OtherOperatingIncomeExpense
|
31000000 | gbp |
| CY2022 | bcs |
Operating Income
OperatingIncome
|
24956000000 | gbp |
| CY2021 | bcs |
Operating Income
OperatingIncome
|
21940000000 | gbp |
| CY2020 | bcs |
Operating Income
OperatingIncome
|
21766000000 | gbp |
| CY2022 | ifrs-full |
Employee Benefits Expense
EmployeeBenefitsExpense
|
9252000000 | gbp |
| CY2021 | ifrs-full |
Employee Benefits Expense
EmployeeBenefitsExpense
|
8511000000 | gbp |
| CY2020 | ifrs-full |
Employee Benefits Expense
EmployeeBenefitsExpense
|
8097000000 | gbp |
| CY2022 | bcs |
Infrastructure Costs
InfrastructureCosts
|
3435000000 | gbp |
| CY2021 | bcs |
Infrastructure Costs
InfrastructureCosts
|
3614000000 | gbp |
| CY2020 | bcs |
Infrastructure Costs
InfrastructureCosts
|
3323000000 | gbp |
| CY2022 | ifrs-full |
Selling General And Administrative Expense
SellingGeneralAndAdministrativeExpense
|
2446000000 | gbp |
| CY2021 | ifrs-full |
Selling General And Administrative Expense
SellingGeneralAndAdministrativeExpense
|
2137000000 | gbp |
| CY2020 | ifrs-full |
Selling General And Administrative Expense
SellingGeneralAndAdministrativeExpense
|
2313000000 | gbp |
| CY2022 | ifrs-full |
Losses On Litigation Settlements
LossesOnLitigationSettlements
|
1597000000 | gbp |
| CY2021 | ifrs-full |
Losses On Litigation Settlements
LossesOnLitigationSettlements
|
397000000 | gbp |
| CY2020 | ifrs-full |
Losses On Litigation Settlements
LossesOnLitigationSettlements
|
153000000 | gbp |
| CY2022 | ifrs-full |
Operating Expense
OperatingExpense
|
16730000000 | gbp |
| CY2021 | ifrs-full |
Operating Expense
OperatingExpense
|
14659000000 | gbp |
| CY2020 | ifrs-full |
Operating Expense
OperatingExpense
|
13886000000 | gbp |
| CY2022 | ifrs-full |
Share Of Profit Loss Of Associates And Joint Ventures Accounted For Using Equity Method
ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod
|
6000000 | gbp |
| CY2021 | ifrs-full |
Share Of Profit Loss Of Associates And Joint Ventures Accounted For Using Equity Method
ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod
|
260000000 | gbp |
| CY2020 | ifrs-full |
Share Of Profit Loss Of Associates And Joint Ventures Accounted For Using Equity Method
ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod
|
6000000 | gbp |
| CY2022 | ifrs-full |
Gain Loss Recognised On Measurement To Fair Value Less Costs To Sell Or On Disposal Of Assets Or Disposal Groups Constituting Discontinued Operation
GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation
|
0 | gbp |
| CY2021 | ifrs-full |
Gain Loss Recognised On Measurement To Fair Value Less Costs To Sell Or On Disposal Of Assets Or Disposal Groups Constituting Discontinued Operation
GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation
|
0 | gbp |
| CY2020 | ifrs-full |
Gain Loss Recognised On Measurement To Fair Value Less Costs To Sell Or On Disposal Of Assets Or Disposal Groups Constituting Discontinued Operation
GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation
|
17000000 | gbp |
| CY2022 | bcs |
Profit Loss From Operating Activities Before Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ProfitLossFromOperatingActivitiesBeforeImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
8232000000 | gbp |
| CY2021 | bcs |
Profit Loss From Operating Activities Before Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ProfitLossFromOperatingActivitiesBeforeImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
7541000000 | gbp |
| CY2020 | bcs |
Profit Loss From Operating Activities Before Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ProfitLossFromOperatingActivitiesBeforeImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
7903000000 | gbp |
| CY2022 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
1220000000 | gbp |
| CY2021 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
-653000000 | gbp |
| CY2020 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
4838000000 | gbp |
| CY2022 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
7012000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
8194000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
3065000000 | gbp |
| CY2022 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
1039000000 | gbp |
| CY2021 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
1138000000 | gbp |
| CY2020 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
604000000 | gbp |
| CY2022 | ifrs-full |
Profit Loss
ProfitLoss
|
5973000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss
ProfitLoss
|
7056000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss
ProfitLoss
|
2461000000 | gbp |
| CY2022 | ifrs-full |
Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity
ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity
|
5023000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity
ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity
|
6205000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity
ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity
|
1526000000 | gbp |
| CY2022 | bcs |
Profit Loss Attributable To Other Equity Holders Of The Parent
ProfitLossAttributableToOtherEquityHoldersOfTheParent
|
905000000 | gbp |
| CY2021 | bcs |
Profit Loss Attributable To Other Equity Holders Of The Parent
ProfitLossAttributableToOtherEquityHoldersOfTheParent
|
804000000 | gbp |
| CY2020 | bcs |
Profit Loss Attributable To Other Equity Holders Of The Parent
ProfitLossAttributableToOtherEquityHoldersOfTheParent
|
857000000 | gbp |
| CY2022 | ifrs-full |
Profit Loss Attributable To Owners Of Parent
ProfitLossAttributableToOwnersOfParent
|
5928000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss Attributable To Owners Of Parent
ProfitLossAttributableToOwnersOfParent
|
7009000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss Attributable To Owners Of Parent
ProfitLossAttributableToOwnersOfParent
|
2383000000 | gbp |
| CY2022 | ifrs-full |
Profit Loss Attributable To Noncontrolling Interests
ProfitLossAttributableToNoncontrollingInterests
|
45000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss Attributable To Noncontrolling Interests
ProfitLossAttributableToNoncontrollingInterests
|
47000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss Attributable To Noncontrolling Interests
ProfitLossAttributableToNoncontrollingInterests
|
78000000 | gbp |
| CY2022 | ifrs-full |
Profit Loss
ProfitLoss
|
5973000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss
ProfitLoss
|
7056000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss
ProfitLoss
|
2461000000 | gbp |
| CY2022 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
0.308 | |
| CY2021 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
0.365 | |
| CY2020 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
0.088 | |
| CY2022 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
0.298 | |
| CY2021 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
0.356 | |
| CY2020 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
0.086 | |
| CY2022 | ifrs-full |
Profit Loss
ProfitLoss
|
5973000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss
ProfitLoss
|
7056000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss
ProfitLoss
|
2461000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income Net Of Tax Exchange Differences On Translation
OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation
|
2032000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income Net Of Tax Exchange Differences On Translation
OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation
|
-131000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income Net Of Tax Exchange Differences On Translation
OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation
|
-473000000 | gbp |
| CY2022 | ifrs-full |
Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax
GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax
|
-7516000000 | gbp |
| CY2021 | ifrs-full |
Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax
GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax
|
-1668000000 | gbp |
| CY2020 | ifrs-full |
Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax
GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax
|
2902000000 | gbp |
| CY2022 | bcs |
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax On Disposal
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxOnDisposal
|
-111000000 | gbp |
| CY2021 | bcs |
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax On Disposal
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxOnDisposal
|
305000000 | gbp |
| CY2022 | ifrs-full |
Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income
IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome
|
-2331000000 | gbp |
| CY2021 | ifrs-full |
Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income
IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome
|
-1025000000 | gbp |
| CY2020 | bcs |
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax On Disposal
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxOnDisposal
|
295000000 | gbp |
| CY2022 | bcs |
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax Due To Impairment
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxDueToImpairment
|
-9000000 | gbp |
| CY2021 | bcs |
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax Due To Impairment
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxDueToImpairment
|
8000000 | gbp |
| CY2020 | bcs |
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax Due To Impairment
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxDueToImpairment
|
-2000000 | gbp |
| CY2022 | bcs |
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax Due To Fair Value Hedging
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxDueToFairValueHedging
|
-5452000000 | gbp |
| CY2021 | bcs |
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax Due To Fair Value Hedging
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxDueToFairValueHedging
|
-1354000000 | gbp |
| CY2020 | bcs |
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax Due To Fair Value Hedging
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxDueToFairValueHedging
|
2000000000 | gbp |
| CY2022 | ifrs-full |
Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income
IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
-523000000 | gbp |
| CY2021 | ifrs-full |
Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income
IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
-198000000 | gbp |
| CY2020 | ifrs-full |
Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income
IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
155000000 | gbp |
| CY2022 | ifrs-full |
Gains Losses On Cash Flow Hedges Before Tax
GainsLossesOnCashFlowHedgesBeforeTax
|
-9052000000 | gbp |
| CY2021 | ifrs-full |
Gains Losses On Cash Flow Hedges Before Tax
GainsLossesOnCashFlowHedgesBeforeTax
|
-2280000000 | gbp |
| CY2020 | ifrs-full |
Gains Losses On Cash Flow Hedges Before Tax
GainsLossesOnCashFlowHedgesBeforeTax
|
1299000000 | gbp |
| CY2022 | ifrs-full |
Reclassification Adjustments On Cash Flow Hedges Before Tax
ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax
|
-339000000 | gbp |
| CY2021 | ifrs-full |
Reclassification Adjustments On Cash Flow Hedges Before Tax
ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax
|
1173000000 | gbp |
| CY2020 | ifrs-full |
Reclassification Adjustments On Cash Flow Hedges Before Tax
ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax
|
510000000 | gbp |
| CY2020 | ifrs-full |
Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income
IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome
|
216000000 | gbp |
| CY2022 | ifrs-full |
Other Individually Immaterial Components Of Other Comprehensive Income Net Of Tax
OtherIndividuallyImmaterialComponentsOfOtherComprehensiveIncomeNetOfTax
|
0 | gbp |
| CY2021 | ifrs-full |
Other Individually Immaterial Components Of Other Comprehensive Income Net Of Tax
OtherIndividuallyImmaterialComponentsOfOtherComprehensiveIncomeNetOfTax
|
0 | gbp |
| CY2020 | ifrs-full |
Other Individually Immaterial Components Of Other Comprehensive Income Net Of Tax
OtherIndividuallyImmaterialComponentsOfOtherComprehensiveIncomeNetOfTax
|
5000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net Of Tax
OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax
|
-5771000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net Of Tax
OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax
|
-2988000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net Of Tax
OtherComprehensiveIncomeThatWillBeReclassifiedToProfitOrLossNetOfTax
|
559000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income Before Tax Gains Losses On Remeasurements Of Defined Benefit Plans
OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans
|
-754000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income Before Tax Gains Losses On Remeasurements Of Defined Benefit Plans
OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans
|
1298000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income Before Tax Gains Losses On Remeasurements Of Defined Benefit Plans
OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans
|
-80000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments
OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments
|
228000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments
OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments
|
141000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments
OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments
|
-262000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income Before Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability
OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability
|
2092000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income Before Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability
OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability
|
-106000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income Before Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability
OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability
|
-810000000 | gbp |
| CY2022 | ifrs-full |
Income Tax Relating To Components Of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss
IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss
|
156000000 | gbp |
| CY2021 | ifrs-full |
Income Tax Relating To Components Of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss
IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss
|
563000000 | gbp |
| CY2020 | ifrs-full |
Income Tax Relating To Components Of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss
IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLoss
|
-198000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net Of Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax
|
1410000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net Of Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax
|
770000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net Of Tax
OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossNetOfTax
|
-954000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income
OtherComprehensiveIncome
|
-4361000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income
OtherComprehensiveIncome
|
-2218000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income
OtherComprehensiveIncome
|
-395000000 | gbp |
| CY2022 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
1612000000 | gbp |
| CY2021 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
4838000000 | gbp |
| CY2020 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
2066000000 | gbp |
| CY2022 | ifrs-full |
Comprehensive Income Attributable To Owners Of Parent
ComprehensiveIncomeAttributableToOwnersOfParent
|
1567000000 | gbp |
| CY2021 | ifrs-full |
Comprehensive Income Attributable To Owners Of Parent
ComprehensiveIncomeAttributableToOwnersOfParent
|
4791000000 | gbp |
| CY2020 | ifrs-full |
Comprehensive Income Attributable To Owners Of Parent
ComprehensiveIncomeAttributableToOwnersOfParent
|
1988000000 | gbp |
| CY2022 | ifrs-full |
Comprehensive Income Attributable To Noncontrolling Interests
ComprehensiveIncomeAttributableToNoncontrollingInterests
|
45000000 | gbp |
| CY2021 | ifrs-full |
Comprehensive Income Attributable To Noncontrolling Interests
ComprehensiveIncomeAttributableToNoncontrollingInterests
|
47000000 | gbp |
| CY2020 | ifrs-full |
Comprehensive Income Attributable To Noncontrolling Interests
ComprehensiveIncomeAttributableToNoncontrollingInterests
|
78000000 | gbp |
| CY2022 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
1612000000 | gbp |
| CY2021 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
4838000000 | gbp |
| CY2020 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
2066000000 | gbp |
| CY2022 | ifrs-full |
Reclassification Adjustments On Exchange Differences On Translation Net Of Tax
ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax
|
1000000 | gbp |
| CY2021 | ifrs-full |
Reclassification Adjustments On Exchange Differences On Translation Net Of Tax
ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax
|
-26000000 | gbp |
| CY2020 | ifrs-full |
Reclassification Adjustments On Exchange Differences On Translation Net Of Tax
ReclassificationAdjustmentsOnExchangeDifferencesOnTranslationNetOfTax
|
17000000 | gbp |
| CY2022Q4 | ifrs-full |
Cash And Bank Balances At Central Banks
CashAndBankBalancesAtCentralBanks
|
256351000000 | gbp |
| CY2021Q4 | ifrs-full |
Cash And Bank Balances At Central Banks
CashAndBankBalancesAtCentralBanks
|
238574000000 | gbp |
| CY2022Q4 | ifrs-full |
Bank Acceptance Assets
BankAcceptanceAssets
|
112597000000 | gbp |
| CY2021Q4 | ifrs-full |
Bank Acceptance Assets
BankAcceptanceAssets
|
92542000000 | gbp |
| CY2022Q4 | ifrs-full |
Loans And Receivables
LoansAndReceivables
|
398779000000 | gbp |
| CY2021Q4 | ifrs-full |
Loans And Receivables
LoansAndReceivables
|
361451000000 | gbp |
| CY2022Q4 | ifrs-full |
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
776000000 | gbp |
| CY2021Q4 | ifrs-full |
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
3227000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
133813000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
147035000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
213568000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
191972000000 | gbp |
| CY2022Q4 | ifrs-full |
Derivative Financial Assets
DerivativeFinancialAssets
|
302380000000 | gbp |
| CY2021Q4 | ifrs-full |
Derivative Financial Assets
DerivativeFinancialAssets
|
262572000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
65062000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
61753000000 | gbp |
| CY2022Q4 | ifrs-full |
Investment Accounted For Using Equity Method
InvestmentAccountedForUsingEquityMethod
|
922000000 | gbp |
| CY2021Q4 | ifrs-full |
Investment Accounted For Using Equity Method
InvestmentAccountedForUsingEquityMethod
|
999000000 | gbp |
| CY2022Q4 | ifrs-full |
Intangible Assets And Goodwill
IntangibleAssetsAndGoodwill
|
8239000000 | gbp |
| CY2021Q4 | ifrs-full |
Intangible Assets And Goodwill
IntangibleAssetsAndGoodwill
|
8061000000 | gbp |
| CY2022Q4 | ifrs-full |
Property Plant And Equipment
PropertyPlantAndEquipment
|
3616000000 | gbp |
| CY2021Q4 | ifrs-full |
Property Plant And Equipment
PropertyPlantAndEquipment
|
3555000000 | gbp |
| CY2022Q4 | ifrs-full |
Current Tax Assets
CurrentTaxAssets
|
385000000 | gbp |
| CY2021Q4 | ifrs-full |
Current Tax Assets
CurrentTaxAssets
|
261000000 | gbp |
| CY2022Q4 | ifrs-full |
Deferred Tax Assets
DeferredTaxAssets
|
6991000000 | gbp |
| CY2021Q4 | ifrs-full |
Deferred Tax Assets
DeferredTaxAssets
|
4619000000 | gbp |
| CY2022Q4 | ifrs-full |
Recognised Assets Defined Benefit Plan
RecognisedAssetsDefinedBenefitPlan
|
4743000000 | gbp |
| CY2021Q4 | ifrs-full |
Recognised Assets Defined Benefit Plan
RecognisedAssetsDefinedBenefitPlan
|
3879000000 | gbp |
| CY2022Q4 | ifrs-full |
Other Assets
OtherAssets
|
5477000000 | gbp |
| CY2021Q4 | ifrs-full |
Other Assets
OtherAssets
|
3785000000 | gbp |
| CY2022Q4 | ifrs-full |
Assets
Assets
|
1513699000000 | gbp |
| CY2021Q4 | ifrs-full |
Assets
Assets
|
1384285000000 | gbp |
| CY2022Q4 | bcs |
Deposits At Amortised Cost
DepositsAtAmortisedCost
|
545782000000 | gbp |
| CY2021Q4 | bcs |
Deposits At Amortised Cost
DepositsAtAmortisedCost
|
519433000000 | gbp |
| CY2022Q4 | ifrs-full |
Bank Acceptance Liabilities
BankAcceptanceLiabilities
|
96927000000 | gbp |
| CY2021Q4 | ifrs-full |
Bank Acceptance Liabilities
BankAcceptanceLiabilities
|
79371000000 | gbp |
| CY2022Q4 | ifrs-full |
Repurchase Agreements And Cash Collateral On Securities Lent
RepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
27052000000 | gbp |
| CY2021Q4 | ifrs-full |
Repurchase Agreements And Cash Collateral On Securities Lent
RepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
28352000000 | gbp |
| CY2022Q4 | ifrs-full |
Debt Securities
DebtSecurities
|
112881000000 | gbp |
| CY2021Q4 | ifrs-full |
Debt Securities
DebtSecurities
|
98867000000 | gbp |
| CY2022Q4 | ifrs-full |
Subordinated Liabilities
SubordinatedLiabilities
|
11423000000 | gbp |
| CY2021Q4 | ifrs-full |
Subordinated Liabilities
SubordinatedLiabilities
|
12759000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
72924000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
54169000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition
FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
|
271637000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition
FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition
|
250960000000 | gbp |
| CY2022Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
289620000000 | gbp |
| CY2021Q4 | ifrs-full |
Derivative Financial Liabilities
DerivativeFinancialLiabilities
|
256883000000 | gbp |
| CY2022Q4 | ifrs-full |
Current Tax Liabilities
CurrentTaxLiabilities
|
580000000 | gbp |
| CY2021Q4 | ifrs-full |
Current Tax Liabilities
CurrentTaxLiabilities
|
689000000 | gbp |
| CY2022Q4 | ifrs-full |
Deferred Tax Liabilities
DeferredTaxLiabilities
|
16000000 | gbp |
| CY2021Q4 | ifrs-full |
Deferred Tax Liabilities
DeferredTaxLiabilities
|
37000000 | gbp |
| CY2022Q4 | ifrs-full |
Recognised Liabilities Defined Benefit Plan
RecognisedLiabilitiesDefinedBenefitPlan
|
264000000 | gbp |
| CY2021Q4 | ifrs-full |
Recognised Liabilities Defined Benefit Plan
RecognisedLiabilitiesDefinedBenefitPlan
|
311000000 | gbp |
| CY2022Q4 | ifrs-full |
Other Liabilities
OtherLiabilities
|
13789000000 | gbp |
| CY2021Q4 | ifrs-full |
Other Liabilities
OtherLiabilities
|
10505000000 | gbp |
| CY2022Q4 | ifrs-full |
Provisions
Provisions
|
1544000000 | gbp |
| CY2021Q4 | ifrs-full |
Provisions
Provisions
|
1908000000 | gbp |
| CY2022Q4 | ifrs-full |
Liabilities
Liabilities
|
1444439000000 | gbp |
| CY2021Q4 | ifrs-full |
Liabilities
Liabilities
|
1314244000000 | gbp |
| CY2022Q4 | bcs |
Called Up Share Capital And Share Premium
CalledUpShareCapitalAndSharePremium
|
4373000000 | gbp |
| CY2021Q4 | bcs |
Called Up Share Capital And Share Premium
CalledUpShareCapitalAndSharePremium
|
4536000000 | gbp |
| CY2022Q4 | ifrs-full |
Other Equity Interest
OtherEquityInterest
|
13284000000 | gbp |
| CY2021Q4 | ifrs-full |
Other Equity Interest
OtherEquityInterest
|
12259000000 | gbp |
| CY2022Q4 | ifrs-full |
Other Reserves
OtherReserves
|
-2192000000 | gbp |
| CY2021Q4 | ifrs-full |
Other Reserves
OtherReserves
|
1770000000 | gbp |
| CY2022Q4 | ifrs-full |
Retained Earnings
RetainedEarnings
|
52827000000 | gbp |
| CY2021Q4 | ifrs-full |
Retained Earnings
RetainedEarnings
|
50487000000 | gbp |
| CY2022Q4 | ifrs-full |
Equity Attributable To Owners Of Parent
EquityAttributableToOwnersOfParent
|
68292000000 | gbp |
| CY2021Q4 | ifrs-full |
Equity Attributable To Owners Of Parent
EquityAttributableToOwnersOfParent
|
69052000000 | gbp |
| CY2022Q4 | ifrs-full |
Noncontrolling Interests
NoncontrollingInterests
|
968000000 | gbp |
| CY2021Q4 | ifrs-full |
Noncontrolling Interests
NoncontrollingInterests
|
989000000 | gbp |
| CY2022Q4 | ifrs-full |
Equity
Equity
|
69260000000 | gbp |
| CY2021Q4 | ifrs-full |
Equity
Equity
|
70041000000 | gbp |
| CY2022Q4 | ifrs-full |
Equity And Liabilities
EquityAndLiabilities
|
1513699000000 | gbp |
| CY2021Q4 | ifrs-full |
Equity And Liabilities
EquityAndLiabilities
|
1384285000000 | gbp |
| CY2021Q4 | ifrs-full |
Equity
Equity
|
70041000000 | gbp |
| CY2022 | ifrs-full |
Profit Loss From Continuing Operations
ProfitLossFromContinuingOperations
|
5973000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income Net Of Tax Exchange Differences On Translation
OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation
|
2032000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income
OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
-1193000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income Net Of Tax Cash Flow Hedges
OtherComprehensiveIncomeNetOfTaxCashFlowHedges
|
-6382000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans
OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans
|
-281000000 | gbp |
| CY2022 | ifrs-full |
Other Comprehensive Income Net Of Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability
OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability
|
1463000000 | gbp |
| CY2022 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
1612000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease Through Sharebased Payment Transactions
IncreaseDecreaseThroughSharebasedPaymentTransactions
|
546000000 | gbp |
| CY2022 | bcs |
Issue And Exchange Of Other Equity Instruments
IssueAndExchangeOfOtherEquityInstruments
|
1040000000 | gbp |
| CY2022 | bcs |
Increase Decrease Other Equity Instruments Coupons Paid
IncreaseDecreaseOtherEquityInstrumentsCouponsPaid
|
-905000000 | gbp |
| CY2022 | bcs |
Increase Decrease Through Disposal Of Equity Interest Equity
IncreaseDecreaseThroughDisposalOfEquityInterestEquity
|
0 | gbp |
| CY2022 | ifrs-full |
Increase Decrease Through Treasury Share Transactions
IncreaseDecreaseThroughTreasuryShareTransactions
|
-248000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease Through Exercise Of Options
IncreaseDecreaseThroughExerciseOfOptions
|
-232000000 | gbp |
| CY2022 | ifrs-full |
Dividends Paid
DividendsPaid
|
1073000000 | gbp |
| CY2022 | ifrs-full |
Purchase Of Treasury Shares
PurchaseOfTreasuryShares
|
1508000000 | gbp |
| CY2022 | bcs |
Increase Decrease Through Credit Realization Equity
IncreaseDecreaseThroughCreditRealizationEquity
|
0 | gbp |
| CY2022 | ifrs-full |
Increase Decrease Through Transfers And Other Changes Equity
IncreaseDecreaseThroughTransfersAndOtherChangesEquity
|
-13000000 | gbp |
| CY2022Q4 | ifrs-full |
Equity
Equity
|
69260000000 | gbp |
| CY2020Q4 | ifrs-full |
Equity
Equity
|
66882000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss From Continuing Operations
ProfitLossFromContinuingOperations
|
7056000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income Net Of Tax Exchange Differences On Translation
OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation
|
-131000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income
OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
-288000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income Net Of Tax Cash Flow Hedges
OtherComprehensiveIncomeNetOfTaxCashFlowHedges
|
-2428000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans
OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans
|
643000000 | gbp |
| CY2021 | ifrs-full |
Other Comprehensive Income Net Of Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability
OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability
|
-14000000 | gbp |
| CY2021 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
4838000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease Through Sharebased Payment Transactions
IncreaseDecreaseThroughSharebasedPaymentTransactions
|
295000000 | gbp |
| CY2021 | bcs |
Issue And Exchange Of Other Equity Instruments
IssueAndExchangeOfOtherEquityInstruments
|
1009000000 | gbp |
| CY2021 | bcs |
Increase Decrease Other Equity Instruments Coupons Paid
IncreaseDecreaseOtherEquityInstrumentsCouponsPaid
|
-804000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease Through Treasury Share Transactions
IncreaseDecreaseThroughTreasuryShareTransactions
|
-240000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease Through Exercise Of Options
IncreaseDecreaseThroughExerciseOfOptions
|
-169000000 | gbp |
| CY2021 | ifrs-full |
Dividends Paid
DividendsPaid
|
556000000 | gbp |
| CY2021 | ifrs-full |
Purchase Of Treasury Shares
PurchaseOfTreasuryShares
|
1200000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease Through Transfers And Other Changes Equity
IncreaseDecreaseThroughTransfersAndOtherChangesEquity
|
-14000000 | gbp |
| CY2021Q4 | ifrs-full |
Equity
Equity
|
70041000000 | gbp |
| CY2019Q4 | ifrs-full |
Equity
Equity
|
65660000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss From Continuing Operations
ProfitLossFromContinuingOperations
|
2461000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income Net Of Tax Exchange Differences On Translation
OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation
|
-473000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income
OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
192000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income Net Of Tax Cash Flow Hedges
OtherComprehensiveIncomeNetOfTaxCashFlowHedges
|
573000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans
OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans
|
-111000000 | gbp |
| CY2020 | ifrs-full |
Other Comprehensive Income Net Of Tax Change In Fair Value Of Financial Liability Attributable To Change In Credit Risk Of Liability
OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability
|
-581000000 | gbp |
| CY2020 | ifrs-full |
Other Individually Immaterial Components Of Other Comprehensive Income Net Of Tax
OtherIndividuallyImmaterialComponentsOfOtherComprehensiveIncomeNetOfTax
|
5000000 | gbp |
| CY2020 | ifrs-full |
Comprehensive Income
ComprehensiveIncome
|
2066000000 | gbp |
| CY2020 | ifrs-full |
Increase Decrease Through Sharebased Payment Transactions
IncreaseDecreaseThroughSharebasedPaymentTransactions
|
346000000 | gbp |
| CY2020 | bcs |
Issue And Exchange Of Other Equity Instruments
IssueAndExchangeOfOtherEquityInstruments
|
98000000 | gbp |
| CY2020 | bcs |
Increase Decrease Other Equity Instruments Coupons Paid
IncreaseDecreaseOtherEquityInstrumentsCouponsPaid
|
-857000000 | gbp |
| CY2020 | ifrs-full |
Increase Decrease Through Treasury Share Transactions
IncreaseDecreaseThroughTreasuryShareTransactions
|
-207000000 | gbp |
| CY2020 | ifrs-full |
Increase Decrease Through Exercise Of Options
IncreaseDecreaseThroughExerciseOfOptions
|
-150000000 | gbp |
| CY2020 | ifrs-full |
Dividends Paid
DividendsPaid
|
79000000 | gbp |
| CY2020 | ifrs-full |
Increase Decrease Through Transfers And Other Changes Equity
IncreaseDecreaseThroughTransfersAndOtherChangesEquity
|
5000000 | gbp |
| CY2020Q4 | ifrs-full |
Equity
Equity
|
66882000000 | gbp |
| CY2022 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
7012000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
8194000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
3065000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
1220000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
-653000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
4838000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Depreciation And Amortisation Expense And Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
1786000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Depreciation And Amortisation Expense And Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
2076000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Depreciation And Amortisation Expense And Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
AdjustmentsForDepreciationAndAmortisationExpenseAndImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
1734000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Provisions
AdjustmentsForProvisions
|
1724000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Provisions
AdjustmentsForProvisions
|
468000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Provisions
AdjustmentsForProvisions
|
1365000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Losses Gains On Disposal Of Noncurrent Assets
AdjustmentsForLossesGainsOnDisposalOfNoncurrentAssets
|
54000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Losses Gains On Disposal Of Noncurrent Assets
AdjustmentsForLossesGainsOnDisposalOfNoncurrentAssets
|
39000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Losses Gains On Disposal Of Noncurrent Assets
AdjustmentsForLossesGainsOnDisposalOfNoncurrentAssets
|
47000000 | gbp |
| CY2022 | ifrs-full |
Other Adjustments For Noncash Items
OtherAdjustmentsForNoncashItems
|
-13298000000 | gbp |
| CY2021 | ifrs-full |
Other Adjustments For Noncash Items
OtherAdjustmentsForNoncashItems
|
3093000000 | gbp |
| CY2020 | ifrs-full |
Other Adjustments For Noncash Items
OtherAdjustmentsForNoncashItems
|
-2977000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Decrease Increase In Trade Account Receivable
AdjustmentsForDecreaseIncreaseInTradeAccountReceivable
|
-881000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Decrease Increase In Trade Account Receivable
AdjustmentsForDecreaseIncreaseInTradeAccountReceivable
|
4101000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Decrease Increase In Trade Account Receivable
AdjustmentsForDecreaseIncreaseInTradeAccountReceivable
|
4321000000 | gbp |
| CY2022 | bcs |
Adjustments For Decreaseincrease In Loans And Advances
AdjustmentsForDecreaseincreaseInLoansAndAdvances
|
-24949000000 | gbp |
| CY2021 | bcs |
Adjustments For Decreaseincrease In Loans And Advances
AdjustmentsForDecreaseincreaseInLoansAndAdvances
|
-10728000000 | gbp |
| CY2020 | bcs |
Adjustments For Decreaseincrease In Loans And Advances
AdjustmentsForDecreaseincreaseInLoansAndAdvances
|
-4365000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Increase Decrease In Repurchase Agreements And Cash Collateral On Securities Lent
AdjustmentsForIncreaseDecreaseInRepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
2451000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Increase Decrease In Repurchase Agreements And Cash Collateral On Securities Lent
AdjustmentsForIncreaseDecreaseInRepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
5804000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Increase Decrease In Repurchase Agreements And Cash Collateral On Securities Lent
AdjustmentsForIncreaseDecreaseInRepurchaseAgreementsAndCashCollateralOnSecuritiesLent
|
-5652000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Increase Decrease In Deposits From Customers
AdjustmentsForIncreaseDecreaseInDepositsFromCustomers
|
26349000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Increase Decrease In Deposits From Customers
AdjustmentsForIncreaseDecreaseInDepositsFromCustomers
|
38397000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Increase Decrease In Deposits From Customers
AdjustmentsForIncreaseDecreaseInDepositsFromCustomers
|
65249000000 | gbp |
| CY2022 | bcs |
Adjustments For Increase Decrease In Debt Securities In Issue
AdjustmentsForIncreaseDecreaseInDebtSecuritiesInIssue
|
9210000000 | gbp |
| CY2021 | bcs |
Adjustments For Increase Decrease In Debt Securities In Issue
AdjustmentsForIncreaseDecreaseInDebtSecuritiesInIssue
|
18131000000 | gbp |
| CY2020 | bcs |
Adjustments For Increase Decrease In Debt Securities In Issue
AdjustmentsForIncreaseDecreaseInDebtSecuritiesInIssue
|
-6309000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Decrease Increase In Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
AdjustmentsForDecreaseIncreaseInReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
-1300000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Decrease Increase In Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
AdjustmentsForDecreaseIncreaseInReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
14178000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Decrease Increase In Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed
AdjustmentsForDecreaseIncreaseInReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed
|
-343000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Gains Losses On Change In Fair Value Of Derivatives
AdjustmentsForGainsLossesOnChangeInFairValueOfDerivatives
|
7071000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Gains Losses On Change In Fair Value Of Derivatives
AdjustmentsForGainsLossesOnChangeInFairValueOfDerivatives
|
4018000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Gains Losses On Change In Fair Value Of Derivatives
AdjustmentsForGainsLossesOnChangeInFairValueOfDerivatives
|
1845000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Decrease Increase In Financial Assets Held For Trading
AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading
|
13222000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Decrease Increase In Financial Assets Held For Trading
AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading
|
-19085000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Decrease Increase In Financial Assets Held For Trading
AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading
|
-13755000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Increase Decrease In Financial Liabilities Held For Trading
AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading
|
18755000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Increase Decrease In Financial Liabilities Held For Trading
AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading
|
6764000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Increase Decrease In Financial Liabilities Held For Trading
AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading
|
10489000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease In Financial Assets
IncreaseDecreaseInFinancialAssets
|
-919000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease In Financial Assets
IncreaseDecreaseInFinancialAssets
|
-15626000000 | gbp |
| CY2020 | ifrs-full |
Increase Decrease In Financial Assets
IncreaseDecreaseInFinancialAssets
|
3374000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Decrease Increase In Other Assets
AdjustmentsForDecreaseIncreaseInOtherAssets
|
-3497000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Decrease Increase In Other Assets
AdjustmentsForDecreaseIncreaseInOtherAssets
|
-2133000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Decrease Increase In Other Assets
AdjustmentsForDecreaseIncreaseInOtherAssets
|
452000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Increase Decrease In Other Liabilities
AdjustmentsForIncreaseDecreaseInOtherLiabilities
|
1051000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Increase Decrease In Other Liabilities
AdjustmentsForIncreaseDecreaseInOtherLiabilities
|
1252000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Increase Decrease In Other Liabilities
AdjustmentsForIncreaseDecreaseInOtherLiabilities
|
-1500000000 | gbp |
| CY2022 | ifrs-full |
Income Taxes Paid Refund Classified As Operating Activities
IncomeTaxesPaidRefundClassifiedAsOperatingActivities
|
688000000 | gbp |
| CY2021 | ifrs-full |
Income Taxes Paid Refund Classified As Operating Activities
IncomeTaxesPaidRefundClassifiedAsOperatingActivities
|
1335000000 | gbp |
| CY2020 | ifrs-full |
Income Taxes Paid Refund Classified As Operating Activities
IncomeTaxesPaidRefundClassifiedAsOperatingActivities
|
683000000 | gbp |
| CY2022 | ifrs-full |
Cash Flows From Used In Operating Activities
CashFlowsFromUsedInOperatingActivities
|
30231000000 | gbp |
| CY2021 | ifrs-full |
Cash Flows From Used In Operating Activities
CashFlowsFromUsedInOperatingActivities
|
48919000000 | gbp |
| CY2020 | ifrs-full |
Cash Flows From Used In Operating Activities
CashFlowsFromUsedInOperatingActivities
|
57505000000 | gbp |
| CY2022 | ifrs-full |
Purchase Of Investments Other Than Investments Accounted For Using Equity Method
PurchaseOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod
|
27731000000 | gbp |
| CY2021 | ifrs-full |
Purchase Of Investments Other Than Investments Accounted For Using Equity Method
PurchaseOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod
|
12500000000 | gbp |
| CY2020 | ifrs-full |
Purchase Of Investments Other Than Investments Accounted For Using Equity Method
PurchaseOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod
|
14671000000 | gbp |
| CY2022 | ifrs-full |
Proceeds From Sales Of Investments Other Than Investments Accounted For Using Equity Method
ProceedsFromSalesOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod
|
14277000000 | gbp |
| CY2021 | ifrs-full |
Proceeds From Sales Of Investments Other Than Investments Accounted For Using Equity Method
ProceedsFromSalesOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod
|
3757000000 | gbp |
| CY2020 | ifrs-full |
Proceeds From Sales Of Investments Other Than Investments Accounted For Using Equity Method
ProceedsFromSalesOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod
|
8480000000 | gbp |
| CY2022 | ifrs-full |
Purchase Of Financial Instruments Classified As Investing Activities
PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities
|
69380000000 | gbp |
| CY2021 | ifrs-full |
Purchase Of Financial Instruments Classified As Investing Activities
PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities
|
75673000000 | gbp |
| CY2020 | ifrs-full |
Purchase Of Financial Instruments Classified As Investing Activities
PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities
|
91744000000 | gbp |
| CY2022 | ifrs-full |
Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities
ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities
|
62821000000 | gbp |
| CY2021 | ifrs-full |
Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities
ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities
|
89342000000 | gbp |
| CY2020 | ifrs-full |
Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities
ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities
|
80895000000 | gbp |
| CY2022 | ifrs-full |
Purchase Of Property Plant And Equipment Intangible Assets Other Than Goodwill Investment Property And Other Noncurrent Assets
PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets
|
1746000000 | gbp |
| CY2021 | ifrs-full |
Purchase Of Property Plant And Equipment Intangible Assets Other Than Goodwill Investment Property And Other Noncurrent Assets
PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets
|
1720000000 | gbp |
| CY2020 | ifrs-full |
Purchase Of Property Plant And Equipment Intangible Assets Other Than Goodwill Investment Property And Other Noncurrent Assets
PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsOtherThanGoodwillInvestmentPropertyAndOtherNoncurrentAssets
|
1324000000 | gbp |
| CY2022 | ifrs-full |
Cash Flows From Losing Control Of Subsidiaries Or Other Businesses Classified As Investing Activities
CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities
|
0 | gbp |
| CY2021 | ifrs-full |
Cash Flows From Losing Control Of Subsidiaries Or Other Businesses Classified As Investing Activities
CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities
|
1057000000 | gbp |
| CY2020 | ifrs-full |
Cash Flows From Losing Control Of Subsidiaries Or Other Businesses Classified As Investing Activities
CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities
|
0 | gbp |
| CY2022 | ifrs-full |
Other Inflows Outflows Of Cash Classified As Investing Activities
OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities
|
86000000 | gbp |
| CY2021 | ifrs-full |
Other Inflows Outflows Of Cash Classified As Investing Activities
OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities
|
7000000 | gbp |
| CY2020 | ifrs-full |
Other Inflows Outflows Of Cash Classified As Investing Activities
OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities
|
-12000000 | gbp |
| CY2022 | ifrs-full |
Cash Flows From Used In Investing Activities
CashFlowsFromUsedInInvestingActivities
|
-21673000000 | gbp |
| CY2021 | ifrs-full |
Cash Flows From Used In Investing Activities
CashFlowsFromUsedInInvestingActivities
|
4270000000 | gbp |
| CY2020 | ifrs-full |
Cash Flows From Used In Investing Activities
CashFlowsFromUsedInInvestingActivities
|
-18376000000 | gbp |
| CY2022 | bcs |
Dividends Paid And Other Coupon Payments On Equity Instruments Classified As Financing Activities
DividendsPaidAndOtherCouponPaymentsOnEquityInstrumentsClassifiedAsFinancingActivities
|
1978000000 | gbp |
| CY2021 | bcs |
Dividends Paid And Other Coupon Payments On Equity Instruments Classified As Financing Activities
DividendsPaidAndOtherCouponPaymentsOnEquityInstrumentsClassifiedAsFinancingActivities
|
1360000000 | gbp |
| CY2020 | bcs |
Dividends Paid And Other Coupon Payments On Equity Instruments Classified As Financing Activities
DividendsPaidAndOtherCouponPaymentsOnEquityInstrumentsClassifiedAsFinancingActivities
|
936000000 | gbp |
| CY2022 | ifrs-full |
Proceeds From Issue Of Subordinated Liabilities
ProceedsFromIssueOfSubordinatedLiabilities
|
1477000000 | gbp |
| CY2021 | ifrs-full |
Proceeds From Issue Of Subordinated Liabilities
ProceedsFromIssueOfSubordinatedLiabilities
|
1890000000 | gbp |
| CY2020 | ifrs-full |
Proceeds From Issue Of Subordinated Liabilities
ProceedsFromIssueOfSubordinatedLiabilities
|
1438000000 | gbp |
| CY2022 | ifrs-full |
Repayments Of Subordinated Liabilities
RepaymentsOfSubordinatedLiabilities
|
2679000000 | gbp |
| CY2021 | ifrs-full |
Repayments Of Subordinated Liabilities
RepaymentsOfSubordinatedLiabilities
|
4807000000 | gbp |
| CY2020 | ifrs-full |
Repayments Of Subordinated Liabilities
RepaymentsOfSubordinatedLiabilities
|
3258000000 | gbp |
| CY2022 | ifrs-full |
Proceeds From Issuing Shares
ProceedsFromIssuingShares
|
3205000000 | gbp |
| CY2021 | ifrs-full |
Proceeds From Issuing Shares
ProceedsFromIssuingShares
|
1118000000 | gbp |
| CY2020 | ifrs-full |
Proceeds From Issuing Shares
ProceedsFromIssuingShares
|
1165000000 | gbp |
| CY2022 | ifrs-full |
Payments To Acquire Or Redeem Entitys Shares
PaymentsToAcquireOrRedeemEntitysShares
|
3655000000 | gbp |
| CY2021 | ifrs-full |
Payments To Acquire Or Redeem Entitys Shares
PaymentsToAcquireOrRedeemEntitysShares
|
1275000000 | gbp |
| CY2020 | ifrs-full |
Payments To Acquire Or Redeem Entitys Shares
PaymentsToAcquireOrRedeemEntitysShares
|
1056000000 | gbp |
| CY2022 | ifrs-full |
Proceeds From Borrowings Classified As Financing Activities
ProceedsFromBorrowingsClassifiedAsFinancingActivities
|
11139000000 | gbp |
| CY2021 | ifrs-full |
Proceeds From Borrowings Classified As Financing Activities
ProceedsFromBorrowingsClassifiedAsFinancingActivities
|
8415000000 | gbp |
| CY2020 | ifrs-full |
Proceeds From Borrowings Classified As Financing Activities
ProceedsFromBorrowingsClassifiedAsFinancingActivities
|
5736000000 | gbp |
| CY2022 | ifrs-full |
Repayments Of Bonds Notes And Debentures
RepaymentsOfBondsNotesAndDebentures
|
6335000000 | gbp |
| CY2021 | ifrs-full |
Repayments Of Bonds Notes And Debentures
RepaymentsOfBondsNotesAndDebentures
|
3475000000 | gbp |
| CY2020 | ifrs-full |
Repayments Of Bonds Notes And Debentures
RepaymentsOfBondsNotesAndDebentures
|
0 | gbp |
| CY2022 | bcs |
Net Purchase Of Treasury Shares
NetPurchaseOfTreasuryShares
|
478000000 | gbp |
| CY2021 | bcs |
Net Purchase Of Treasury Shares
NetPurchaseOfTreasuryShares
|
399000000 | gbp |
| CY2020 | bcs |
Net Purchase Of Treasury Shares
NetPurchaseOfTreasuryShares
|
357000000 | gbp |
| CY2022 | ifrs-full |
Cash Flows From Used In Financing Activities
CashFlowsFromUsedInFinancingActivities
|
696000000 | gbp |
| CY2021 | ifrs-full |
Cash Flows From Used In Financing Activities
CashFlowsFromUsedInFinancingActivities
|
107000000 | gbp |
| CY2020 | ifrs-full |
Cash Flows From Used In Financing Activities
CashFlowsFromUsedInFinancingActivities
|
2732000000 | gbp |
| CY2022 | ifrs-full |
Effect Of Exchange Rate Changes On Cash And Cash Equivalents
EffectOfExchangeRateChangesOnCashAndCashEquivalents
|
10330000000 | gbp |
| CY2021 | ifrs-full |
Effect Of Exchange Rate Changes On Cash And Cash Equivalents
EffectOfExchangeRateChangesOnCashAndCashEquivalents
|
-4232000000 | gbp |
| CY2020 | ifrs-full |
Effect Of Exchange Rate Changes On Cash And Cash Equivalents
EffectOfExchangeRateChangesOnCashAndCashEquivalents
|
1668000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease In Cash And Cash Equivalents
IncreaseDecreaseInCashAndCashEquivalents
|
19584000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease In Cash And Cash Equivalents
IncreaseDecreaseInCashAndCashEquivalents
|
49064000000 | gbp |
| CY2020 | ifrs-full |
Increase Decrease In Cash And Cash Equivalents
IncreaseDecreaseInCashAndCashEquivalents
|
43529000000 | gbp |
| CY2021Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
259206000000 | gbp |
| CY2020Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
210142000000 | gbp |
| CY2019Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
166613000000 | gbp |
| CY2022Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
278790000000 | gbp |
| CY2021Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
259206000000 | gbp |
| CY2020Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
210142000000 | gbp |
| CY2022Q4 | ifrs-full |
Cash And Bank Balances At Central Banks
CashAndBankBalancesAtCentralBanks
|
256351000000 | gbp |
| CY2021Q4 | ifrs-full |
Cash And Bank Balances At Central Banks
CashAndBankBalancesAtCentralBanks
|
238574000000 | gbp |
| CY2020Q4 | ifrs-full |
Cash And Bank Balances At Central Banks
CashAndBankBalancesAtCentralBanks
|
191127000000 | gbp |
| CY2022Q4 | ifrs-full |
Shortterm Deposits Classified As Cash Equivalents
ShorttermDepositsClassifiedAsCashEquivalents
|
6431000000 | gbp |
| CY2021Q4 | ifrs-full |
Shortterm Deposits Classified As Cash Equivalents
ShorttermDepositsClassifiedAsCashEquivalents
|
6488000000 | gbp |
| CY2020Q4 | ifrs-full |
Shortterm Deposits Classified As Cash Equivalents
ShorttermDepositsClassifiedAsCashEquivalents
|
5955000000 | gbp |
| CY2022Q4 | bcs |
Bank Acceptance Assets Classified As Cash Equivalents
BankAcceptanceAssetsClassifiedAsCashEquivalents
|
15150000000 | gbp |
| CY2021Q4 | bcs |
Bank Acceptance Assets Classified As Cash Equivalents
BankAcceptanceAssetsClassifiedAsCashEquivalents
|
13532000000 | gbp |
| CY2020Q4 | bcs |
Bank Acceptance Assets Classified As Cash Equivalents
BankAcceptanceAssetsClassifiedAsCashEquivalents
|
12204000000 | gbp |
| CY2022Q4 | ifrs-full |
Shortterm Investments Classified As Cash Equivalents
ShorttermInvestmentsClassifiedAsCashEquivalents
|
858000000 | gbp |
| CY2021Q4 | ifrs-full |
Shortterm Investments Classified As Cash Equivalents
ShorttermInvestmentsClassifiedAsCashEquivalents
|
612000000 | gbp |
| CY2020Q4 | ifrs-full |
Shortterm Investments Classified As Cash Equivalents
ShorttermInvestmentsClassifiedAsCashEquivalents
|
856000000 | gbp |
| CY2022Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
278790000000 | gbp |
| CY2021Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
259206000000 | gbp |
| CY2020Q4 | ifrs-full |
Cash And Cash Equivalents
CashAndCashEquivalents
|
210142000000 | gbp |
| CY2022 | ifrs-full |
Interest Received Classified As Operating Activities
InterestReceivedClassifiedAsOperatingActivities
|
40975000000 | gbp |
| CY2021 | ifrs-full |
Interest Received Classified As Operating Activities
InterestReceivedClassifiedAsOperatingActivities
|
17194000000 | gbp |
| CY2020 | ifrs-full |
Interest Received Classified As Operating Activities
InterestReceivedClassifiedAsOperatingActivities
|
18748000000 | gbp |
| CY2022 | ifrs-full |
Interest Paid Classified As Operating Activities
InterestPaidClassifiedAsOperatingActivities
|
28709000000 | gbp |
| CY2021 | ifrs-full |
Interest Paid Classified As Operating Activities
InterestPaidClassifiedAsOperatingActivities
|
8063000000 | gbp |
| CY2020 | ifrs-full |
Interest Paid Classified As Operating Activities
InterestPaidClassifiedAsOperatingActivities
|
9577000000 | gbp |
| CY2022 | ifrs-full |
Dividends Received Classified As Operating Activities
DividendsReceivedClassifiedAsOperatingActivities
|
31000000 | gbp |
| CY2021 | ifrs-full |
Dividends Received Classified As Operating Activities
DividendsReceivedClassifiedAsOperatingActivities
|
20000000 | gbp |
| CY2020 | ifrs-full |
Dividends Received Classified As Operating Activities
DividendsReceivedClassifiedAsOperatingActivities
|
37000000 | gbp |
| CY2022Q4 | ifrs-full |
Mandatory Reserve Deposits At Central Banks
MandatoryReserveDepositsAtCentralBanks
|
3457000000 | gbp |
| CY2021Q4 | ifrs-full |
Mandatory Reserve Deposits At Central Banks
MandatoryReserveDepositsAtCentralBanks
|
4750000000 | gbp |
| CY2020Q4 | ifrs-full |
Mandatory Reserve Deposits At Central Banks
MandatoryReserveDepositsAtCentralBanks
|
3392000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Summary Of Significant Accounting Policies Explanatory
DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory
|
Significant accounting policies<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">1. Reporting entity</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays PLC is a public company limited by shares registered in England under company number 48839, having its registered office at 1 Churchill Place, London, E14 5HP.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">These financial statements are prepared for Barclays PLC and its subsidiaries (the Group) under Section 399 of the Companies Act 2006. The Group is a major global financial services provider engaged in retail banking, credit cards, wholesale banking, investment banking, wealth management and investment management services. In addition, separate financial statements have been presented for the holding company. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">2. Compliance with International Financial Reporting Standards</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The consolidated financial statements of the Group, and the separate financial statements of Barclays PLC, have been prepared in accordance with UK-adopted international accounting standards. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The consolidated financial statements of the Group, and the separate financial statements of Barclays PLC, have also been prepared in accordance with International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB), including interpretations issued by the IFRS Interpretations Committee, as there are no applicable differences from IFRS as issued by the IASB for the periods presented.</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The principal accounting policies applied in the preparation of the consolidated and separate financial statements are set out below, and in the relevant notes to the financial statements. These policies have been consistently applied.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">3. Basis of preparation</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The consolidated and separate financial statements have been prepared under the historical cost convention modified to include the fair valuation of investment property, and particular financial instruments, to the extent required or permitted under IFRS as set out in the relevant accounting policies. These financial statements are stated in millions of Pounds Sterling (£m), the functional currency of Barclays PLC.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The financial statements have been prepared for Barclays PLC and its subsidiaries (the Group) under Section 399 of the Companies Act 2006 as applicable to companies using IFRS. The financial statements are prepared on a going concern basis, as the Board is satisfied that the Group and the parent company have the resources to continue in business for a period of at least 12 months from approval of the financial statements. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In making this assessment, the Board has considered a wide range of information relating to present and future conditions and includes a review of a working capital report (WCR). The WCR is used by the Board to assess the future performance of the Group and that it has the resources in place that are required to meet its ongoing regulatory requirements. The assessment is based upon business plans which contain future projections of profitability taken from the Group’s medium-term plan as well as projections of regulatory capital requirements and business funding needs. The WCR also includes an assessment of the impact of internally generated stress testing scenarios on the liquidity and capital requirement forecasts. The stress tests used were based upon an assessment of reasonably possible downside economic scenarios that the Group could experience. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The WCR showed that the Group had sufficient capital and liquidity in place to support its future business requirements and remained above its regulatory minimum requirements in the stress scenarios. Accordingly, the Directors concluded that there was a reasonable expectation that the Group and parent company has adequate resources to continue as a going concern for a period of at least 12 months from the date of approval of the financial statements.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">4. Accounting policies</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group prepares financial statements in accordance with IFRS. The Group’s significant accounting policies relating to specific financial statement items, together with a description of the accounting estimates and judgements that were critical to preparing those items, are set out under the relevant notes. Accounting policies that affect the financial statements as a whole are set out below.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">(i) Consolidation</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IFRS 10 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Consolidated financial statements.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The consolidated financial statements combine the financial statements of Barclays PLC and all its subsidiaries. Subsidiaries are entities over which Barclays PLC has control. The Group has control over another entity when the Group has all of the following:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:1.58pt">power over the relevant activities of the investee, for example through voting or other rights</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:1.58pt">exposure to, or rights to, variable returns from its involvement with the investee, and</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:1.58pt">the ability to affect those returns through its power over the investee.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The assessment of control is based on the consideration of all facts and circumstances. The Group reassesses whether it controls an investee if facts and circumstances indicate that there are changes to one or more of the three elements of control.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intra-group transactions and balances are eliminated on consolidation. Consistent accounting policies are used throughout the Group for the purposes of the consolidation.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Changes in ownership interests in subsidiaries are accounted for as equity transactions if they occur after control has already been obtained and they do not result in loss of control.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As the consolidated financial statements include partnerships where the Group member is a partner, advantage has been taken of the exemption under Regulation 7 of the Partnership (Accounts) Regulations 2008 with regard to preparing and filing of individual partnership financial statements.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Details of the principal subsidiaries are given in Note 34.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">(ii) Foreign currency translation</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 21 The Effects of Changes in Foreign Exchange Rates. Transactions in foreign currencies are translated into Sterling at the rate ruling on the date of the transaction. Foreign currency monetary balances are translated into Sterling at the period end exchange rates. Exchange gains and losses on such balances are taken to the income statement. Non-monetary foreign currency balances in relation to items measured in terms of historical cost are carried at historical transaction date exchange rates. Non-monetary foreign currency balances in relation to items measured at fair value are translated using the exchange rate at the date when the fair value was measured.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s foreign operations (including subsidiaries, joint ventures, associates and branches) based mainly outside the UK may have different functional currencies. The functional currency of an operation is the currency of the main economy to which it is exposed.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Prior to consolidation (or equity accounting) the assets and liabilities of non-Sterling operations are translated at the period end exchange rate and items of income, expense and other comprehensive income are translated into Sterling at the rate on the date of the transactions. Exchange differences arising on the translation of foreign operations are included in currency translation reserves within equity. These are transferred to the income statement when the Group disposes of the entire interest in a foreign operation, when partial disposal results in the loss of control of an interest in a subsidiary, when an investment previously accounted for using the equity method is accounted for as a financial asset, or on the disposal of a foreign operation within a branch.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">(iii) Financial assets and liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IFRS 9 Financial Instruments to the recognition, classification and measurement, and derecognition of financial assets and financial liabilities and the impairment of financial assets. The Group applies the requirements of IAS 39 Financial Instruments: Recognition and Measurement for hedge accounting purposes.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Recognition</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group recognises financial assets and liabilities when it becomes a party to the terms of the contract. Trade date or settlement date accounting is applied depending on the classification of the financial asset.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Classification and measurement</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets are classified on the basis of two criteria:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">i)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:4.8pt">the business model within which financial assets are managed, and</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ii)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:3.12pt">their contractual cash flow characteristics (whether the cash flows represent ‘solely payments of principal and interest’ (SPPI)).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group assesses the business model criteria at a portfolio level. Information that is considered in determining the applicable business model includes (i) policies and objectives for the relevant portfolio, (ii) how the performance and risks of the portfolio are managed, evaluated and reported to management, and (iii) the frequency, volume and timing of sales in prior periods, sales expectation for future periods, and the reasons for such sales.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The contractual cash flow characteristics of financial assets are assessed with reference to whether the cash flows represent SPPI. In assessing whether contractual cash flows are SPPI compliant, interest is defined as consideration primarily for the time value of money and the credit risk of the principal outstanding. The time value of money is defined as the element of interest that provides consideration only for the passage of time and not consideration for other risks or costs associated with holding the financial asset. Terms that could change the contractual cash flows so that it would not meet the condition for SPPI are considered, including: (i) contingent and leverage features, (ii) non-recourse arrangements and (iii) features that could modify the time value of money.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets are measured at amortised cost if they are held within a business model whose objective is to hold financial assets in order to collect contractual cash flows, and their contractual cash flows represent SPPI.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets are measured at fair value through other comprehensive income if they are held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets, and their contractual cash flows represent SPPI.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other financial assets are measured at fair value through profit and loss. There is an option to make an irrevocable election on initial recognition for non-traded equity investments to be measured at fair value through other comprehensive income, in which case dividends are recognised in profit or loss, but gains or losses are not reclassified to profit or loss upon derecognition, and the impairment requirements of IFRS 9 do not apply.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The accounting policy for each type of financial asset or liability is included within the relevant note for the item. The Group’s policies for determining the fair values of the assets and liabilities are set out in Note 17.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Derecognition</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group derecognises a financial asset, or a portion of a financial asset, from its balance sheet where (i) the contractual rights to cash flows from the asset have expired, or (ii) the contractual rights to cash flows from the asset have been transferred (usually by sale) and with them either (a) substantially all the risks and rewards of the asset have been transferred, or (b) where neither substantially all the risks and reward have been transferred or retained, where control over the asset has been lost. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial liabilities are derecognised when the liability has been settled, has expired or has been extinguished. An exchange of an existing financial liability for a new liability with the same lender on substantially different terms – generally a difference of 10% or more in the </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">present value of the cash flows or a substantive qualitative amendment – is accounted for as an extinguishment of the original financial liability and the recognition of a new financial liability.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Transactions in which the Group transfers assets and liabilities, portions of them, or financial risks associated with them can be complex and it may not be obvious whether substantially all of the risks and rewards have been transferred. It is often necessary to perform a quantitative analysis. Such an analysis compares the Group’s exposure to variability in asset cash flows before the transfer with its retained exposure after the transfer.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A cash flow analysis of this nature may require judgement. In particular, it is necessary to estimate the asset’s expected future cash flows as well as potential variability around this expectation. The method of estimating expected future cash flows depends on the nature of the asset, with market and market-implied data used to the greatest extent possible. The potential variability around this expectation is typically determined by stressing underlying parameters to create reasonable alternative upside and downside scenarios. Probabilities are then assigned to each scenario. Stressed parameters may include default rates, loss severity, or prepayment rates.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Accounting for reverse repurchase and repurchase agreements including other similar lending and borrowing</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Reverse repurchase agreements (and stock borrowing or similar transactions) are a form of secured lending whereby the Group provides a loan or cash collateral in exchange for the transfer of collateral, generally in the form of marketable securities subject to an agreement to transfer the securities back at a fixed price in the future. Repurchase agreements are where the Group obtains such loans or cash collateral, in exchange for the transfer of collateral.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group purchases (a reverse repurchase agreement) or borrows securities subject to a commitment to resell or return them. The securities are not included in the balance sheet as the Group does not acquire the risks and rewards of ownership. Consideration paid (or cash collateral provided) is accounted for as a loan asset at amortised cost, unless it is designated or mandatorily at fair value through profit and loss. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group may also sell (a repurchase agreement) or lend securities subject to a commitment to repurchase or redeem them. The securities are retained on the balance sheet as the Group retains substantially all the risks and rewards of ownership. Consideration received (or cash collateral provided) is accounted for as a financial liability at amortised cost, unless it is designated at fair value through profit and loss.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">(iv) Issued debt and equity instruments</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 32, </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Financial Instruments: Presentation,</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> to determine whether funding is either a financial liability (debt) or equity.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Issued financial instruments or their components are classified as liabilities if the contractual arrangement results in the Group having an obligation to either deliver cash or another financial asset, or a variable number of equity shares, to the holder of the instrument. If this is not the case, the instrument is generally an equity instrument and the proceeds included in equity, net of transaction costs. Dividends and other returns to equity holders are recognised when paid or declared by the members at the Annual General Meeting and treated as a deduction from equity.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Where issued financial instruments contain both liability and equity components, these are accounted for separately. The fair value of the debt is estimated first and the balance of the proceeds is included within equity.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">(v) Changes in the basis for determining contractual cash flows resulting from interest rate benchmark reform</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A change in the basis of determining the contractual cash flows of a financial instrument that is required by interest rate benchmark reform is accounted for by updating the effective interest rate, without the recognition of an immediate gain or loss. This practical expedient is only applied where (1) the change to the contractual cash flows is necessary as a direct consequence of the reform and (2) the new basis for determining the contractual cash flows is economically equivalent to the previous basis. For changes made in addition to those required by the interest rate benchmark reform, the practical expedient is applied first, after which the normal IFRS 9 requirements for modifications of financial instruments is applied.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Refer to Note 14 for further details regarding hedge accounting policies in respect of interest rate benchmark reform. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Refer to Note 41 for further disclosure related to interest rate benchmark reform.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">(vi) Cash flow statement</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Cash comprises cash on hand and balances at central banks. Cash equivalents comprise loans and advances to banks, cash collateral balances with central banks related to payment schemes and treasury and other eligible bills, all with original maturities of three months or less. Repurchase and reverse repurchase agreements are not considered to be part of cash equivalents.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Investments in debt securities at amortised cost, presented within loans and advances on the balance sheet, are deemed to be investing activities for the purposes of the cash flow statement, except those instruments considered to be cash equivalents. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Debt securities issued and redeemed are considered to be operating activities, except qualifying eligible liabilities that satisfy regulatory requirements for MREL instruments (or have previously satisfied these requirements since 2019 when they came into effect), which are considered to be financing activities.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">5. New and amended standards and interpretations</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The accounting policies adopted have been consistently applied.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Future accounting developments</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following accounting standards have been issued by the IASB but are not yet effective:</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">IFRS 17 – Insurance contracts</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In May 2017, the IASB issued IFRS 17 Insurance Contracts, a comprehensive new accounting standard for insurance contracts covering recognition and measurement, presentation and disclosure. IFRS 17 will replace IFRS 4 Insurance Contracts that was issued in 2005. In June 2020, the IASB published amendments to IFRS 17, to include scope exclusion for certain credit card contracts and similar contracts that provide insurance coverage, the optional scope exclusion for loan contracts that transfer significant insurance risk, and the clarification that only financial guarantees issued are in scope of IFRS 9. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IFRS 17 applies to all types of insurance contracts (i.e. life, non-life, direct insurance and reinsurance), regardless of the type of entities that issue them, as well as to certain guarantees and financial instruments with discretionary participation features. A few scope exceptions will apply. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IFRS 17 is effective for accounting periods beginning on or after 1 January 2023. The Group does not expect the impact of IFRS 17 to be material.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Classification of Liabilities as Current or Non-current (Amendments to IAS 1)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In January 2020 the IASB issued amendments to IAS 1 to clarify the presentation of liabilities in the balance sheet, with an effective date of 1 January 2024.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The amendments clarify that a liability should be classified as non-current only if the entity has the right to defer settlement of the liability for at least 12 months after the reporting period, and that (i) the right to defer settlement must exist at the end of the reporting period and (ii) management’s intentions or expectations about whether it will exercise its right to defer settlement does not affect the classification. Further clarifications include how lending conditions affect classification and classification of liabilities the entity will or may settle by issuing its own equity instruments. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In October 2022, the IASB also issued further amendments to IAS 1 to improve the information an entity provides when its right to defer settlement of a liability for at least twelve months is subject to compliance with covenants, and to respond to stakeholders’ concerns about the classification of such a liability as current or non-current.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Disclosure of Accounting Policies - Amendments to IAS 1 and IFRS Practice Statement 2 </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In February 2021 the IASB issued amendments to IAS 1 that require entities to disclose their material accounting policies rather than their significant accounting policies. The amendments to IFRS Practice Statement 2 provide guidance on the concept of materiality and its application to accounting policy information. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Under the amendments, accounting policy information is material if, when considered together with other information included in an entity’s financial statements, it can reasonably be expected to influence decisions that the primary users of general purpose financial statements make on the basis of those financial statements. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The amendments are effective for annual periods beginning on or after 1 January 2023, and will be applied from that date.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Definition of Accounting Estimate - Amendments to IAS 8 </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In February 2021 the IASB issued amendments to IAS 8 that replace the definition of a change in accounting estimates with a definition of accounting estimates. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Under the new definition, accounting estimates are clarified as monetary amounts in financial statements that are subject to measurement uncertainty. Where an entity's accounting policy requires an item to be measured at monetary amounts that cannot be observed directly, it should develop an accounting estimate to achieve this objective. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The amendments are effective for annual periods beginning on or after 1 January 2023, and will be applied from that date.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">6. Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The preparation of financial statements in accordance with IFRS requires the use of estimates. It also requires management to exercise judgement in applying the accounting policies. The key areas involving a higher degree of judgement or complexity or areas where assumptions are significant to the consolidated and individual financial statements are highlighted under the relevant note. Critical accounting estimates and judgements are disclosed in:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Credit impairment charges on page <a href="#i71905e25e6934d519e4c69feac849fcb_943" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">342</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Tax on page <a href="#i107fac6a36b24337b07287af799887bd_17708" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">346</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Fair value of financial instruments on page <a href="#i71905e25e6934d519e4c69feac849fcb_970" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">362</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Goodwill and intangible assets on page <a href="#i869ab5b3a4114390b62e9b3cc590cb03_11750" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">379</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Pensions and post-retirement benefit obligations on page <a href="#i21d099e79f6542f0b9a116e30f8c0fb4_19660" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">400</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Provisions including conduct and legal, competition and regulatory matters on page <a href="#i71905e25e6934d519e4c69feac849fcb_991" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">383</a>.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">7. Other disclosures</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">To improve transparency and ease of reference, by concentrating related information in one place, certain disclosures required under IFRS have been included within the Risk review section as follows:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Credit risk on pages <a href="#i71905e25e6934d519e4c69feac849fcb_673" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">211</a> to <a href="#ib4a3ffb70b0e400b80f9eb5734c9d983_10511" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">213</a> and <a href="#i71905e25e6934d519e4c69feac849fcb_715" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">222</a> to <a href="#iae61af0badfe4eee886e45298890b98c_3792" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">262</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Market risk on pages <a href="#i71905e25e6934d519e4c69feac849fcb_676" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">213</a> and <a href="#i71905e25e6934d519e4c69feac849fcb_748" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">263</a> to <a href="#i935b8fabd79f4affab9396821dd3318f_610" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">264</a> </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Treasury and Capital risk – liquidity on pages <a href="#i46afeb05d3df4b66b81bf7c09729eb10_8916" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">214</a> and <a href="#i34fc8f121fb34f119850331d0d429cc5_15984" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">266</a> to <a href="#i11ae318240ab4c719644ff2f6c2f91e6_3058" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">275</a> </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Treasury and Capital risk – capital on pages <a href="#i46afeb05d3df4b66b81bf7c09729eb10_8911" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">214</a> and <a href="#i71905e25e6934d519e4c69feac849fcb_778" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">276</a> to <a href="#if5b9ab36963e46f1b18f998da984f61f_10516" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">283</a>.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">These disclosures are covered by the Audit opinion (included on pages <a href="#i71905e25e6934d519e4c69feac849fcb_883" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">320</a> to <a href="#i18493585083a4d6ea9c8430c3784f656_16599" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">322</a>) where referenced as audited.</span></div> | |
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Statement Of Ifrs Compliance
StatementOfIFRSCompliance
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Compliance with International Financial Reporting Standards<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The consolidated financial statements of the Group, and the separate financial statements of Barclays PLC, have been prepared in accordance with UK-adopted international accounting standards. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The consolidated financial statements of the Group, and the separate financial statements of Barclays PLC, have also been prepared in accordance with International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB), including interpretations issued by the IFRS Interpretations Committee, as there are no applicable differences from IFRS as issued by the IASB for the periods presented.</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The principal accounting policies applied in the preparation of the consolidated and separate financial statements are set out below, and in the relevant notes to the financial statements. These policies have been consistently applied.</span></div> | |
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Disclosure Of Basis Of Preparation Of Financial Statements Explanatory
DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory
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Basis of preparation<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The consolidated and separate financial statements have been prepared under the historical cost convention modified to include the fair valuation of investment property, and particular financial instruments, to the extent required or permitted under IFRS as set out in the relevant accounting policies. These financial statements are stated in millions of Pounds Sterling (£m), the functional currency of Barclays PLC.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The financial statements have been prepared for Barclays PLC and its subsidiaries (the Group) under Section 399 of the Companies Act 2006 as applicable to companies using IFRS. The financial statements are prepared on a going concern basis, as the Board is satisfied that the Group and the parent company have the resources to continue in business for a period of at least 12 months from approval of the financial statements. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In making this assessment, the Board has considered a wide range of information relating to present and future conditions and includes a review of a working capital report (WCR). The WCR is used by the Board to assess the future performance of the Group and that it has the resources in place that are required to meet its ongoing regulatory requirements. The assessment is based upon business plans which contain future projections of profitability taken from the Group’s medium-term plan as well as projections of regulatory capital requirements and business funding needs. The WCR also includes an assessment of the impact of internally generated stress testing scenarios on the liquidity and capital requirement forecasts. The stress tests used were based upon an assessment of reasonably possible downside economic scenarios that the Group could experience. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The WCR showed that the Group had sufficient capital and liquidity in place to support its future business requirements and remained above its regulatory minimum requirements in the stress scenarios. Accordingly, the Directors concluded that there was a reasonable expectation that the Group and parent company has adequate resources to continue as a going concern for a period of at least 12 months from the date of approval of the financial statements.</span></div> | |
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Disclosure Of Basis Of Consolidation Explanatory
DisclosureOfBasisOfConsolidationExplanatory
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Consolidation<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IFRS 10 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Consolidated financial statements.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The consolidated financial statements combine the financial statements of Barclays PLC and all its subsidiaries. Subsidiaries are entities over which Barclays PLC has control. The Group has control over another entity when the Group has all of the following:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">1)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:1.58pt">power over the relevant activities of the investee, for example through voting or other rights</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">2)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:1.58pt">exposure to, or rights to, variable returns from its involvement with the investee, and</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">3)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:1.58pt">the ability to affect those returns through its power over the investee.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The assessment of control is based on the consideration of all facts and circumstances. The Group reassesses whether it controls an investee if facts and circumstances indicate that there are changes to one or more of the three elements of control.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intra-group transactions and balances are eliminated on consolidation. Consistent accounting policies are used throughout the Group for the purposes of the consolidation.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Changes in ownership interests in subsidiaries are accounted for as equity transactions if they occur after control has already been obtained and they do not result in loss of control.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As the consolidated financial statements include partnerships where the Group member is a partner, advantage has been taken of the exemption under Regulation 7 of the Partnership (Accounts) Regulations 2008 with regard to preparing and filing of individual partnership financial statements.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Details of the principal subsidiaries are given in Note 34.</span></div> | |
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Description Of Accounting Policy For Foreign Currency Translation Explanatory
DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory
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Foreign currency translation<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 21 The Effects of Changes in Foreign Exchange Rates. Transactions in foreign currencies are translated into Sterling at the rate ruling on the date of the transaction. Foreign currency monetary balances are translated into Sterling at the period end exchange rates. Exchange gains and losses on such balances are taken to the income statement. Non-monetary foreign currency balances in relation to items measured in terms of historical cost are carried at historical transaction date exchange rates. Non-monetary foreign currency balances in relation to items measured at fair value are translated using the exchange rate at the date when the fair value was measured.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s foreign operations (including subsidiaries, joint ventures, associates and branches) based mainly outside the UK may have different functional currencies. The functional currency of an operation is the currency of the main economy to which it is exposed.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Prior to consolidation (or equity accounting) the assets and liabilities of non-Sterling operations are translated at the period end exchange rate and items of income, expense and other comprehensive income are translated into Sterling at the rate on the date of the transactions. Exchange differences arising on the translation of foreign operations are included in currency translation reserves within equity. These are transferred to the income statement when the Group disposes of the entire interest in a foreign operation, when partial disposal results in the loss of control of an interest in a subsidiary, when an investment previously accounted for using the equity method is accounted for as a financial asset, or on the disposal of a foreign operation within a branch.</span></div> | |
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Description Of Accounting Policy For Financial Instruments Explanatory
DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory
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Financial assets and liabilities<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IFRS 9 Financial Instruments to the recognition, classification and measurement, and derecognition of financial assets and financial liabilities and the impairment of financial assets. The Group applies the requirements of IAS 39 Financial Instruments: Recognition and Measurement for hedge accounting purposes.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Recognition</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group recognises financial assets and liabilities when it becomes a party to the terms of the contract. Trade date or settlement date accounting is applied depending on the classification of the financial asset.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Classification and measurement</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets are classified on the basis of two criteria:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">i)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:4.8pt">the business model within which financial assets are managed, and</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ii)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:3.12pt">their contractual cash flow characteristics (whether the cash flows represent ‘solely payments of principal and interest’ (SPPI)).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group assesses the business model criteria at a portfolio level. Information that is considered in determining the applicable business model includes (i) policies and objectives for the relevant portfolio, (ii) how the performance and risks of the portfolio are managed, evaluated and reported to management, and (iii) the frequency, volume and timing of sales in prior periods, sales expectation for future periods, and the reasons for such sales.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The contractual cash flow characteristics of financial assets are assessed with reference to whether the cash flows represent SPPI. In assessing whether contractual cash flows are SPPI compliant, interest is defined as consideration primarily for the time value of money and the credit risk of the principal outstanding. The time value of money is defined as the element of interest that provides consideration only for the passage of time and not consideration for other risks or costs associated with holding the financial asset. Terms that could change the contractual cash flows so that it would not meet the condition for SPPI are considered, including: (i) contingent and leverage features, (ii) non-recourse arrangements and (iii) features that could modify the time value of money.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets are measured at amortised cost if they are held within a business model whose objective is to hold financial assets in order to collect contractual cash flows, and their contractual cash flows represent SPPI.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets are measured at fair value through other comprehensive income if they are held within a business model whose objective is achieved by both collecting contractual cash flows and selling financial assets, and their contractual cash flows represent SPPI.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other financial assets are measured at fair value through profit and loss. There is an option to make an irrevocable election on initial recognition for non-traded equity investments to be measured at fair value through other comprehensive income, in which case dividends are recognised in profit or loss, but gains or losses are not reclassified to profit or loss upon derecognition, and the impairment requirements of IFRS 9 do not apply.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The accounting policy for each type of financial asset or liability is included within the relevant note for the item. The Group’s policies for determining the fair values of the assets and liabilities are set out in Note 17.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Derecognition</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group derecognises a financial asset, or a portion of a financial asset, from its balance sheet where (i) the contractual rights to cash flows from the asset have expired, or (ii) the contractual rights to cash flows from the asset have been transferred (usually by sale) and with them either (a) substantially all the risks and rewards of the asset have been transferred, or (b) where neither substantially all the risks and reward have been transferred or retained, where control over the asset has been lost. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial liabilities are derecognised when the liability has been settled, has expired or has been extinguished. An exchange of an existing financial liability for a new liability with the same lender on substantially different terms – generally a difference of 10% or more in the </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">present value of the cash flows or a substantive qualitative amendment – is accounted for as an extinguishment of the original financial liability and the recognition of a new financial liability.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Transactions in which the Group transfers assets and liabilities, portions of them, or financial risks associated with them can be complex and it may not be obvious whether substantially all of the risks and rewards have been transferred. It is often necessary to perform a quantitative analysis. Such an analysis compares the Group’s exposure to variability in asset cash flows before the transfer with its retained exposure after the transfer.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A cash flow analysis of this nature may require judgement. In particular, it is necessary to estimate the asset’s expected future cash flows as well as potential variability around this expectation. The method of estimating expected future cash flows depends on the nature of the asset, with market and market-implied data used to the greatest extent possible. The potential variability around this expectation is typically determined by stressing underlying parameters to create reasonable alternative upside and downside scenarios. Probabilities are then assigned to each scenario. Stressed parameters may include default rates, loss severity, or prepayment rates.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Repurchase And Reverse Repurchase Agreements Explanatory
DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory
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<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Accounting for reverse repurchase and repurchase agreements including other similar lending and borrowing</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Reverse repurchase agreements (and stock borrowing or similar transactions) are a form of secured lending whereby the Group provides a loan or cash collateral in exchange for the transfer of collateral, generally in the form of marketable securities subject to an agreement to transfer the securities back at a fixed price in the future. Repurchase agreements are where the Group obtains such loans or cash collateral, in exchange for the transfer of collateral.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group purchases (a reverse repurchase agreement) or borrows securities subject to a commitment to resell or return them. The securities are not included in the balance sheet as the Group does not acquire the risks and rewards of ownership. Consideration paid (or cash collateral provided) is accounted for as a loan asset at amortised cost, unless it is designated or mandatorily at fair value through profit and loss. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group may also sell (a repurchase agreement) or lend securities subject to a commitment to repurchase or redeem them. The securities are retained on the balance sheet as the Group retains substantially all the risks and rewards of ownership. Consideration received (or cash collateral provided) is accounted for as a financial liability at amortised cost, unless it is designated at fair value through profit and loss.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Issued Capital Explanatory
DescriptionOfAccountingPolicyForIssuedCapitalExplanatory
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Issued debt and equity instruments<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 32, </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Financial Instruments: Presentation,</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> to determine whether funding is either a financial liability (debt) or equity.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Issued financial instruments or their components are classified as liabilities if the contractual arrangement results in the Group having an obligation to either deliver cash or another financial asset, or a variable number of equity shares, to the holder of the instrument. If this is not the case, the instrument is generally an equity instrument and the proceeds included in equity, net of transaction costs. Dividends and other returns to equity holders are recognised when paid or declared by the members at the Annual General Meeting and treated as a deduction from equity.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Where issued financial instruments contain both liability and equity components, these are accounted for separately. The fair value of the debt is estimated first and the balance of the proceeds is included within equity.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Cash Flows Explanatory
DescriptionOfAccountingPolicyForCashFlowsExplanatory
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Changes in the basis for determining contractual cash flows resulting from interest rate benchmark reform<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A change in the basis of determining the contractual cash flows of a financial instrument that is required by interest rate benchmark reform is accounted for by updating the effective interest rate, without the recognition of an immediate gain or loss. This practical expedient is only applied where (1) the change to the contractual cash flows is necessary as a direct consequence of the reform and (2) the new basis for determining the contractual cash flows is economically equivalent to the previous basis. For changes made in addition to those required by the interest rate benchmark reform, the practical expedient is applied first, after which the normal IFRS 9 requirements for modifications of financial instruments is applied.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Refer to Note 14 for further details regarding hedge accounting policies in respect of interest rate benchmark reform. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Refer to Note 41 for further disclosure related to interest rate benchmark reform.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy To Determine Components Of Cash And Cash Equivalents
DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents
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Cash flow statement<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Cash comprises cash on hand and balances at central banks. Cash equivalents comprise loans and advances to banks, cash collateral balances with central banks related to payment schemes and treasury and other eligible bills, all with original maturities of three months or less. Repurchase and reverse repurchase agreements are not considered to be part of cash equivalents.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Investments in debt securities at amortised cost, presented within loans and advances on the balance sheet, are deemed to be investing activities for the purposes of the cash flow statement, except those instruments considered to be cash equivalents. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Debt securities issued and redeemed are considered to be operating activities, except qualifying eligible liabilities that satisfy regulatory requirements for MREL instruments (or have previously satisfied these requirements since 2019 when they came into effect), which are considered to be financing activities.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Accounting Judgements And Estimates Explanatory
DisclosureOfAccountingJudgementsAndEstimatesExplanatory
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Critical accounting estimates and judgements<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The preparation of financial statements in accordance with IFRS requires the use of estimates. It also requires management to exercise judgement in applying the accounting policies. The key areas involving a higher degree of judgement or complexity or areas where assumptions are significant to the consolidated and individual financial statements are highlighted under the relevant note. Critical accounting estimates and judgements are disclosed in:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Credit impairment charges on page <a href="#i71905e25e6934d519e4c69feac849fcb_943" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">342</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Tax on page <a href="#i107fac6a36b24337b07287af799887bd_17708" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">346</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Fair value of financial instruments on page <a href="#i71905e25e6934d519e4c69feac849fcb_970" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">362</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Goodwill and intangible assets on page <a href="#i869ab5b3a4114390b62e9b3cc590cb03_11750" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">379</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Pensions and post-retirement benefit obligations on page <a href="#i21d099e79f6542f0b9a116e30f8c0fb4_19660" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">400</a></span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Provisions including conduct and legal, competition and regulatory matters on page <a href="#i71905e25e6934d519e4c69feac849fcb_991" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">383</a>.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Entitys Reportable Segments Explanatory
DisclosureOfEntitysReportableSegmentsExplanatory
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Segmental reporting<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Presentation of segmental reporting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s segmental reporting is in accordance with IFRS 8 Operating Segments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">.</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> Operating segments are reported in a manner consistent with the internal reporting provided to the Executive Committee, which is responsible for allocating resources and assessing performance of the operating segments, and has been identified as the chief operating decision maker. All transactions between business segments are conducted on an arm’s-length basis, with intra-segment revenue and costs being eliminated in Head Office. Income and expenses directly associated with each segment are included in determining business segment performance.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group is a British universal bank diversified by business, geography and income type, serving consumer and wholesale customers and clients globally and for segmental reporting purposes it defines its two operating divisions as Barclays UK and Barclays International. </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Barclays UK consists of our UK Personal Banking, UK Business Banking and Barclaycard Consumer UK businesses. These businesses are carried on by our UK ring-fenced bank (Barclays Bank UK PLC) and certain other entities within the Group. </span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Barclays International consists of our Corporate and Investment Bank and Consumer, Cards and Payments businesses. These businesses are carried on by our non ring-fenced bank (Barclays Bank PLC) and its subsidiaries, and certain other entities within the Group.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The below table also includes Head Office which comprises head office and legacy businesses, as well as the FTEs employed by Barclays Execution Services.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of results by business</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Group results</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total income</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,259</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,867</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(170)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,956</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating costs</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,260)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,361)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(336)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,957)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(133)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(176)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Litigation and conduct</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,503)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(53)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,597)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total operating expenses</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,327)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,997)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(406)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16,730)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other net income/(expenses)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before impairment</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,932</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,898</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(598)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,232</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit impairment charges</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(286)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(933)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,220)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before tax </span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,646</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,965</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(599)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,012</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets (£bn)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">313.2</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,181.3</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.2</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,513.7</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Number of employees (full time equivalent)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,200</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,900</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,300</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87,400</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #c6c6c6;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average number of employees (full time equivalent)</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.5pt solid #c6c6c6;border-top:0.5pt solid #c6c6c6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.5pt solid #c6c6c6;border-top:0.5pt solid #c6c6c6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.5pt solid #c6c6c6;border-top:0.5pt solid #c6c6c6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.5pt solid #c6c6c6;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,900</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit on disposal of subsidiaries, associates and joint ventures, and gains on acquisitions.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Group results</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,536</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,665</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(261)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,940</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating costs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,357)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,076)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(659)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,092)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(134)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(170)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Litigation and conduct</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(37)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(345)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(397)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total operating expenses</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,430)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,555)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(674)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,659)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other net income</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before impairment</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,106</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,150</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(715)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,541</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit impairment releases</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">365</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">653</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before tax </span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,471</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,438</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(715)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,194</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets (£bn)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321.2</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,044.1</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.0</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,384.3</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Number of employees (full time equivalent)</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,100</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,400</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,100</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,600</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average number of employees (full time equivalent)</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,900</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other net income represents the share of post-tax results of associates and joint ventures, profit on disposal of subsidiaries, associates and joint ventures, and gains on acquisitions. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Barclays Execution Services Employees are reported within the Head Office Segment. Barclays UK transformed its business in 2021 and consolidated all Customer Care employees, who directly serve customers, into Barclays Execution Services to improve customer service and experience. Costs are recharged, while FTEs are reported within Head Office, as at 31 December 2021 10,700 FTEs were impacted by the move from Barclays UK to Head Office. The 2020 comparative figures have not been restated.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> </span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head<br/> Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Group results</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December 2020</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,347</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,921</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(502)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,766</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating costs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,270)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,765)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(399)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,434)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(240)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(299)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Litigation and conduct</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(73)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(153)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total operating expenses</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,352)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,053)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(481)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,886)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other net income/(expenses)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before impairment</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,013</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,896</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,006)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,903</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit impairment charges</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,467)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,280)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(91)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,838)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">546</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,616</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,097)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,065</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets (£bn)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">289.1</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,041.8</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.6</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,349.5</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Number of employees (full time equivalent)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,300</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,800</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,900</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,000</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average number of employees (full time equivalent)</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,800</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a On 1 April 2020, assets of £2.2bn relating to the Barclays Partner Finance business were moved from Barclays International to Barclays UK, with net operating income of £19m and loss before tax of £5m subsequently recognised in Barclays UK for the rest of 2020. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit (or loss) on disposal of subsidiaries, associates and joint ventures, and gains on acquisitions.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income by geographic region</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,908 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,256</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,211</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Europe </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,321 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,372</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,059</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Americas </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,353 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,199</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,425</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Africa and Middle East</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asia </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,311 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,068</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,035</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,956 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,940</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,766</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#ff0090;font-family:'Effra Medium',sans-serif;font-size:24pt;font-weight:400;line-height:171%">.</span></td><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income from individual countries which represent more than 5% of total income</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,908 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,256</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,211</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United States </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,176 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,048</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,318</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div>a The geographical analysis is based on the location of the office where the transactions are recorded. | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Segment Reporting Explanatory
DescriptionOfAccountingPolicyForSegmentReportingExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Presentation of segmental reporting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s segmental reporting is in accordance with IFRS 8 Operating Segments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">.</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> Operating segments are reported in a manner consistent with the internal reporting provided to the Executive Committee, which is responsible for allocating resources and assessing performance of the operating segments, and has been identified as the chief operating decision maker. All transactions between business segments are conducted on an arm’s-length basis, with intra-segment revenue and costs being eliminated in Head Office. Income and expenses directly associated with each segment are included in determining business segment performance.</span></div> | |
| CY2022Q4 | bcs |
Number Of Segments
NumberOfSegments
|
2 | segment |
| CY2022 | ifrs-full |
Disclosure Of Operating Segments Explanatory
DisclosureOfOperatingSegmentsExplanatory
|
<div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of results by business</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Group results</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total income</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,259</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,867</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(170)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,956</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating costs</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,260)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,361)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(336)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,957)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(133)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(176)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Litigation and conduct</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,503)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(53)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,597)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total operating expenses</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,327)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,997)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(406)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16,730)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other net income/(expenses)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before impairment</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,932</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,898</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(598)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,232</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit impairment charges</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(286)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(933)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,220)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before tax </span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,646</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,965</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(599)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,012</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets (£bn)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">313.2</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,181.3</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.2</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,513.7</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Number of employees (full time equivalent)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,200</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,900</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,300</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87,400</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #c6c6c6;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average number of employees (full time equivalent)</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.5pt solid #c6c6c6;border-top:0.5pt solid #c6c6c6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.5pt solid #c6c6c6;border-top:0.5pt solid #c6c6c6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.5pt solid #c6c6c6;border-top:0.5pt solid #c6c6c6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.5pt solid #c6c6c6;border-top:0.5pt solid #c6c6c6;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,900</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit on disposal of subsidiaries, associates and joint ventures, and gains on acquisitions.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Group results</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December 2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,536</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,665</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(261)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,940</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating costs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,357)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,076)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(659)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,092)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(134)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(170)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Litigation and conduct</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(37)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(345)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(397)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total operating expenses</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,430)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,555)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(674)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,659)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other net income</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">260</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before impairment</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,106</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,150</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(715)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,541</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit impairment releases</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">365</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">653</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before tax </span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,471</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,438</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(715)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,194</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets (£bn)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321.2</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,044.1</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.0</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,384.3</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Number of employees (full time equivalent)</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,100</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,400</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,100</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,600</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average number of employees (full time equivalent)</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,900</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other net income represents the share of post-tax results of associates and joint ventures, profit on disposal of subsidiaries, associates and joint ventures, and gains on acquisitions. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Barclays Execution Services Employees are reported within the Head Office Segment. Barclays UK transformed its business in 2021 and consolidated all Customer Care employees, who directly serve customers, into Barclays Execution Services to improve customer service and experience. Costs are recharged, while FTEs are reported within Head Office, as at 31 December 2021 10,700 FTEs were impacted by the move from Barclays UK to Head Office. The 2020 comparative figures have not been restated.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="padding-left:9pt;text-indent:-9pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> </span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head<br/> Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Group results</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December 2020</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,347</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,921</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(502)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,766</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating costs</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,270)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,765)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(399)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,434)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(240)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(299)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Litigation and conduct</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(73)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(153)</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total operating expenses</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,352)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,053)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(481)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,886)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other net income/(expenses)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before impairment</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,013</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,896</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,006)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,903</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit impairment charges</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,467)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,280)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(91)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,838)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit/(loss) before tax</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">546</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,616</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,097)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,065</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets (£bn)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">289.1</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,041.8</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.6</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,349.5</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Number of employees (full time equivalent)</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,300</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,800</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,900</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,000</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average number of employees (full time equivalent)</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,800</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a On 1 April 2020, assets of £2.2bn relating to the Barclays Partner Finance business were moved from Barclays International to Barclays UK, with net operating income of £19m and loss before tax of £5m subsequently recognised in Barclays UK for the rest of 2020. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit (or loss) on disposal of subsidiaries, associates and joint ventures, and gains on acquisitions.</span></div> | |
| CY2022 | bcs |
Operating Income
OperatingIncome
|
24956000000 | gbp |
| CY2022 | bcs |
Operating Expense Excluding Uk Bank Levy Guaranteed Minimum Pensions And Litigation And Conduct
OperatingExpenseExcludingUkBankLevyGuaranteedMinimumPensionsAndLitigationAndConduct
|
14957000000 | gbp |
| CY2022 | ifrs-full |
Bank And Similar Charges
BankAndSimilarCharges
|
176000000 | gbp |
| CY2022 | bcs |
Litigation And Conduct Expense
LitigationAndConductExpense
|
1597000000 | gbp |
| CY2022 | ifrs-full |
Operating Expense
OperatingExpense
|
16730000000 | gbp |
| CY2022 | ifrs-full |
Other Gains Losses
OtherGainsLosses
|
6000000 | gbp |
| CY2022 | bcs |
Profit Loss From Operating Activities Before Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ProfitLossFromOperatingActivitiesBeforeImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
8232000000 | gbp |
| CY2022 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
1220000000 | gbp |
| CY2022 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
7012000000 | gbp |
| CY2022Q4 | ifrs-full |
Assets
Assets
|
1513700000000 | gbp |
| CY2022Q4 | ifrs-full |
Number Of Employees
NumberOfEmployees
|
87400 | employee |
| CY2022 | ifrs-full |
Average Number Of Employees
AverageNumberOfEmployees
|
83900 | employee |
| CY2021 | bcs |
Operating Income
OperatingIncome
|
21940000000 | gbp |
| CY2021 | bcs |
Operating Expense Excluding Uk Bank Levy Guaranteed Minimum Pensions And Litigation And Conduct
OperatingExpenseExcludingUkBankLevyGuaranteedMinimumPensionsAndLitigationAndConduct
|
14092000000 | gbp |
| CY2021 | ifrs-full |
Bank And Similar Charges
BankAndSimilarCharges
|
170000000 | gbp |
| CY2021 | bcs |
Litigation And Conduct Expense
LitigationAndConductExpense
|
397000000 | gbp |
| CY2021 | ifrs-full |
Operating Expense
OperatingExpense
|
14659000000 | gbp |
| CY2021 | ifrs-full |
Other Gains Losses
OtherGainsLosses
|
260000000 | gbp |
| CY2021 | bcs |
Profit Loss From Operating Activities Before Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ProfitLossFromOperatingActivitiesBeforeImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
7541000000 | gbp |
| CY2021 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
-653000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
8194000000 | gbp |
| CY2021Q4 | ifrs-full |
Assets
Assets
|
1384300000000 | gbp |
| CY2021Q4 | ifrs-full |
Number Of Employees
NumberOfEmployees
|
81600 | employee |
| CY2021 | ifrs-full |
Average Number Of Employees
AverageNumberOfEmployees
|
82900 | employee |
| CY2020 | bcs |
Operating Income
OperatingIncome
|
21766000000 | gbp |
| CY2020 | bcs |
Operating Expense Excluding Uk Bank Levy Guaranteed Minimum Pensions And Litigation And Conduct
OperatingExpenseExcludingUkBankLevyGuaranteedMinimumPensionsAndLitigationAndConduct
|
13434000000 | gbp |
| CY2020 | ifrs-full |
Bank And Similar Charges
BankAndSimilarCharges
|
299000000 | gbp |
| CY2020 | bcs |
Litigation And Conduct Expense
LitigationAndConductExpense
|
153000000 | gbp |
| CY2020 | ifrs-full |
Operating Expense
OperatingExpense
|
13886000000 | gbp |
| CY2020 | ifrs-full |
Other Gains Losses
OtherGainsLosses
|
23000000 | gbp |
| CY2020 | bcs |
Profit Loss From Operating Activities Before Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ProfitLossFromOperatingActivitiesBeforeImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
7903000000 | gbp |
| CY2020 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
4838000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
3065000000 | gbp |
| CY2020Q4 | ifrs-full |
Assets
Assets
|
1349500000000 | gbp |
| CY2020Q4 | ifrs-full |
Number Of Employees
NumberOfEmployees
|
83000 | employee |
| CY2020 | ifrs-full |
Average Number Of Employees
AverageNumberOfEmployees
|
81800 | employee |
| CY2022 | ifrs-full |
Disclosure Of Geographical Areas Explanatory
DisclosureOfGeographicalAreasExplanatory
|
<div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income by geographic region</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,908 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,256</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,211</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Europe </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,321 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,372</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,059</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Americas </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,353 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,199</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,425</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Africa and Middle East</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asia </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,311 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,068</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,035</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,956 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,940</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,766</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#ff0090;font-family:'Effra Medium',sans-serif;font-size:24pt;font-weight:400;line-height:171%">.</span></td><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income from individual countries which represent more than 5% of total income</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,908 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,256</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,211</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United States </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,176 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,048</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,318</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div>a The geographical analysis is based on the location of the office where the transactions are recorded. | |
| CY2022 | bcs |
Operating Income
OperatingIncome
|
24956000000 | gbp |
| CY2021 | bcs |
Operating Income
OperatingIncome
|
21940000000 | gbp |
| CY2020 | bcs |
Operating Income
OperatingIncome
|
21766000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Interest Income Expense Explanatory
DisclosureOfInterestIncomeExpenseExplanatory
|
Net interest income<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for interest income and expenses</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest income on loans and advances at amortised cost and financial assets at fair value through other comprehensive income, and interest expense on financial liabilities held at amortised cost, are calculated using the effective interest method which allocates interest, and direct and incremental fees and costs, over the expected lives of the assets and liabilities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The effective interest method requires the Group to estimate future cash flows, in some cases based on its experience of customers’ behaviour, considering all contractual terms of the financial instrument, as well as the expected lives of the assets and liabilities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group incurs certain costs to originate credit card balances with the most significant being co-brand partner fees. To the extent these costs are attributed to customers that continuously carry an outstanding balance (revolvers) and incremental to the origination of credit card balances, they are capitalised and subsequently included within the calculation of the effective interest rate. They are amortised to interest income over the period of expected repayment of the originated balance. Costs attributed to customers that settle their outstanding balances each period (transactors) are deferred on the balance sheet as a cost of obtaining a contract and amortised to fee and commission expense over the life of the customer relationship (refer to Note 4). There are no other individual estimates involved in the calculation of effective interest rates that are material to the results or financial position.</span></div><div style="margin-bottom:3.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,916 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,376 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,540 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,180 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,963 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">550 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Negative interest on liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">248 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">633 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">718 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">593 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest and similar income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,096 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,240 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,892 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,573)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(561)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,030)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,240)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,340)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,360)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(530)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(507)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(670)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Negative interest on assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(208)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(374)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(344)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(973)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(385)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(366)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest and similar expense</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,524)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,167)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,770)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,572 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,073 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,122 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest and similar income presented above represents interest revenue calculated using the effective interest method. Costs to originate credit card balances of £786m (2021: £652m; 2020: £698m) have been amortised to interest and similar income during the year. Interest and similar income includes £59m (2021: £37m; 2020: £40m) accrued on impaired loans. Other interest expense includes £56m (2021: £64m; 2020:£70m) relating to IFRS 16 lease interest expenses.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Interest Income And Expense Explanatory
DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for interest income and expenses</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest income on loans and advances at amortised cost and financial assets at fair value through other comprehensive income, and interest expense on financial liabilities held at amortised cost, are calculated using the effective interest method which allocates interest, and direct and incremental fees and costs, over the expected lives of the assets and liabilities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The effective interest method requires the Group to estimate future cash flows, in some cases based on its experience of customers’ behaviour, considering all contractual terms of the financial instrument, as well as the expected lives of the assets and liabilities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group incurs certain costs to originate credit card balances with the most significant being co-brand partner fees. To the extent these costs are attributed to customers that continuously carry an outstanding balance (revolvers) and incremental to the origination of credit card balances, they are capitalised and subsequently included within the calculation of the effective interest rate. They are amortised to interest income over the period of expected repayment of the originated balance. Costs attributed to customers that settle their outstanding balances each period (transactors) are deferred on the balance sheet as a cost of obtaining a contract and amortised to fee and commission expense over the life of the customer relationship (refer to Note 4). There are no other individual estimates involved in the calculation of effective interest rates that are material to the results or financial position.</span></div> | |
| CY2022 | ifrs-full |
Interest Income On Cash And Bank Balances At Central Banks
InterestIncomeOnCashAndBankBalancesAtCentralBanks
|
2916000000 | gbp |
| CY2021 | ifrs-full |
Interest Income On Cash And Bank Balances At Central Banks
InterestIncomeOnCashAndBankBalancesAtCentralBanks
|
184000000 | gbp |
| CY2020 | ifrs-full |
Interest Income On Cash And Bank Balances At Central Banks
InterestIncomeOnCashAndBankBalancesAtCentralBanks
|
275000000 | gbp |
| CY2022 | ifrs-full |
Interest Income For Financial Assets Measured At Amortised Cost
InterestIncomeForFinancialAssetsMeasuredAtAmortisedCost
|
13376000000 | gbp |
| CY2021 | ifrs-full |
Interest Income For Financial Assets Measured At Amortised Cost
InterestIncomeForFinancialAssetsMeasuredAtAmortisedCost
|
9540000000 | gbp |
| CY2020 | ifrs-full |
Interest Income For Financial Assets Measured At Amortised Cost
InterestIncomeForFinancialAssetsMeasuredAtAmortisedCost
|
10180000000 | gbp |
| CY2022 | ifrs-full |
Interest Revenue For Financial Assets Measured At Fair Value Through Other Comprehensive Income
InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
1963000000 | gbp |
| CY2021 | ifrs-full |
Interest Revenue For Financial Assets Measured At Fair Value Through Other Comprehensive Income
InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
550000000 | gbp |
| CY2020 | ifrs-full |
Interest Revenue For Financial Assets Measured At Fair Value Through Other Comprehensive Income
InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
776000000 | gbp |
| CY2022 | bcs |
Negative Interest On Liabilities
NegativeInterestOnLiabilities
|
208000000 | gbp |
| CY2021 | bcs |
Negative Interest On Liabilities
NegativeInterestOnLiabilities
|
248000000 | gbp |
| CY2020 | bcs |
Negative Interest On Liabilities
NegativeInterestOnLiabilities
|
68000000 | gbp |
| CY2022 | ifrs-full |
Interest Income On Other Financial Assets
InterestIncomeOnOtherFinancialAssets
|
633000000 | gbp |
| CY2021 | ifrs-full |
Interest Income On Other Financial Assets
InterestIncomeOnOtherFinancialAssets
|
718000000 | gbp |
| CY2020 | ifrs-full |
Interest Income On Other Financial Assets
InterestIncomeOnOtherFinancialAssets
|
593000000 | gbp |
| CY2022 | ifrs-full |
Interest Revenue Calculated Using Effective Interest Method
InterestRevenueCalculatedUsingEffectiveInterestMethod
|
19096000000 | gbp |
| CY2021 | ifrs-full |
Interest Revenue Calculated Using Effective Interest Method
InterestRevenueCalculatedUsingEffectiveInterestMethod
|
11240000000 | gbp |
| CY2020 | ifrs-full |
Interest Revenue Calculated Using Effective Interest Method
InterestRevenueCalculatedUsingEffectiveInterestMethod
|
11892000000 | gbp |
| CY2022 | bcs |
Interest Expense On Deposits At Amortised Cost
InterestExpenseOnDepositsAtAmortisedCost
|
3573000000 | gbp |
| CY2021 | bcs |
Interest Expense On Deposits At Amortised Cost
InterestExpenseOnDepositsAtAmortisedCost
|
561000000 | gbp |
| CY2020 | bcs |
Interest Expense On Deposits At Amortised Cost
InterestExpenseOnDepositsAtAmortisedCost
|
1030000000 | gbp |
| CY2022 | ifrs-full |
Interest Expense On Debt Instruments Issued
InterestExpenseOnDebtInstrumentsIssued
|
3240000000 | gbp |
| CY2021 | ifrs-full |
Interest Expense On Debt Instruments Issued
InterestExpenseOnDebtInstrumentsIssued
|
1340000000 | gbp |
| CY2020 | ifrs-full |
Interest Expense On Debt Instruments Issued
InterestExpenseOnDebtInstrumentsIssued
|
1360000000 | gbp |
| CY2022 | ifrs-full |
Interest Expense On Borrowings
InterestExpenseOnBorrowings
|
530000000 | gbp |
| CY2021 | ifrs-full |
Interest Expense On Borrowings
InterestExpenseOnBorrowings
|
507000000 | gbp |
| CY2020 | ifrs-full |
Interest Expense On Borrowings
InterestExpenseOnBorrowings
|
670000000 | gbp |
| CY2022 | bcs |
Negative Interest On Assets
NegativeInterestOnAssets
|
208000000 | gbp |
| CY2021 | bcs |
Negative Interest On Assets
NegativeInterestOnAssets
|
374000000 | gbp |
| CY2020 | bcs |
Negative Interest On Assets
NegativeInterestOnAssets
|
344000000 | gbp |
| CY2022 | ifrs-full |
Interest Expense On Other Financial Liabilities
InterestExpenseOnOtherFinancialLiabilities
|
973000000 | gbp |
| CY2021 | ifrs-full |
Interest Expense On Other Financial Liabilities
InterestExpenseOnOtherFinancialLiabilities
|
385000000 | gbp |
| CY2020 | ifrs-full |
Interest Expense On Other Financial Liabilities
InterestExpenseOnOtherFinancialLiabilities
|
366000000 | gbp |
| CY2021 | ifrs-full |
Fee And Commission Income Expense
FeeAndCommissionIncomeExpense
|
7674000000 | gbp |
| CY2022 | ifrs-full |
Interest Expense
InterestExpense
|
8524000000 | gbp |
| CY2021 | ifrs-full |
Interest Expense
InterestExpense
|
3167000000 | gbp |
| CY2020 | ifrs-full |
Interest Expense
InterestExpense
|
3770000000 | gbp |
| CY2022 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
10572000000 | gbp |
| CY2021 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
8073000000 | gbp |
| CY2020 | ifrs-full |
Interest Revenue Expense
InterestRevenueExpense
|
8122000000 | gbp |
| CY2022 | bcs |
Costs To Orginate Credit Card Balances
CostsToOrginateCreditCardBalances
|
786000000 | gbp |
| CY2021 | bcs |
Costs To Orginate Credit Card Balances
CostsToOrginateCreditCardBalances
|
652000000 | gbp |
| CY2020 | bcs |
Costs To Orginate Credit Card Balances
CostsToOrginateCreditCardBalances
|
698000000 | gbp |
| CY2022 | ifrs-full |
Interest Income On Impaired Financial Assets Accrued
InterestIncomeOnImpairedFinancialAssetsAccrued
|
59000000 | gbp |
| CY2021 | ifrs-full |
Interest Income On Impaired Financial Assets Accrued
InterestIncomeOnImpairedFinancialAssetsAccrued
|
37000000 | gbp |
| CY2020 | ifrs-full |
Interest Income On Impaired Financial Assets Accrued
InterestIncomeOnImpairedFinancialAssetsAccrued
|
40000000 | gbp |
| CY2022 | ifrs-full |
Interest Expense On Lease Liabilities
InterestExpenseOnLeaseLiabilities
|
56000000 | gbp |
| CY2021 | ifrs-full |
Interest Expense On Lease Liabilities
InterestExpenseOnLeaseLiabilities
|
64000000 | gbp |
| CY2020 | ifrs-full |
Interest Expense On Lease Liabilities
InterestExpenseOnLeaseLiabilities
|
70000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Fee And Commission Income Expense Explanatory
DisclosureOfFeeAndCommissionIncomeExpenseExplanatory
|
Net fee and commission income<div style="margin-bottom:1pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for net fee and commission income</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IFRS 15 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Revenue from Contracts with Customers.</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> IFRS 15 establishes a five-step model governing revenue recognition. The five-step model requires the Group to (i) identify the contract with the customer, (ii) identify each of the performance obligations included in the contract, (iii) determine the amount of consideration in the contract, (iv) allocate the consideration to each of the identified performance obligations and (v) recognise revenue as each performance obligation is satisfied.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group recognises fee and commission income charged for services provided by the Group as and when performance obligations are satisfied, for example, on completion of the underlying transaction. Where the contractual arrangements also result in the Group recognising financial instruments in scope of IFRS 9, such financial instruments are initially recognised at fair value in accordance with IFRS 9 before applying the provisions of IFRS 15. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Fee and commission income is disaggregated below by fee types that reflect the nature of the services offered across the Group and operating segments, in accordance with IFRS 15. The below table includes a total for fees in scope of IFRS 15. Refer to Note 2 for more detailed information about operating segments.</span></div><div style="margin-bottom:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee type</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transactional</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,084 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,256 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,340 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advisory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">964 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,125 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Brokerage and execution</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,521 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,777 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underwriting and syndication</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,037 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,037 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">215 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total revenue from contracts with customers</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,560 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,931 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,494 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-contract fee income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,560 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,074 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,637 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(319)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,713)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,038)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,241 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,361 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,599 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee type</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transactional</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,443 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advisory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,096 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Brokerage and execution</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,135 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,363 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underwriting and syndication</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,425 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,425 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total revenue from contracts with customers</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,345 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,410 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,759 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-contract fee income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,345 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,531 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,880 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(218)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,983)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,206)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,127 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,548 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,674 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee type</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transactional</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">810 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,353 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,163 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advisory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">854 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Brokerage and execution</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">212 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,173 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underwriting and syndication</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,867 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,867 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">253 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total revenue from contracts with customers</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,252 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,259 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,522 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-contract fee income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,252 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,378 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,641 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(308)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,754)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,070)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">944 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,624 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,571 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Fee types</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Transactional</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Transactional fees are service charges on deposit accounts, cash management services fees and transactional processing fees. These include interchange and merchant fee income generated from credit and bank card usage. Transaction and processing fees are recognised at the point in time the transaction occurs or service is performed. Interchange and merchant fees are recognised upon settlement of the card transaction payment.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group incurs certain card-related costs including those related to cardholder reward programmes and payments to co-brand partners. Cardholder reward programme costs related to customers that settle their outstanding balance each period (transactors) are expensed when incurred and presented in fee and commission expense, while costs related to customers that continuously carry an outstanding balance (revolvers) are included in the effective interest rate of the receivable (refer to Note 3). Payments to partners for new cardholder account originations related to transactor accounts are deferred as costs to obtain a contract under IFRS 15, while costs related to revolver accounts are included in the effective interest rate of the receivable (refer to Note 3). Those costs deferred under IFRS 15 are capitalised and amortised over the estimated life of the customer relationship. Payments to co-brand partners based on revenue sharing to the extent the revenue share relates to "revolvers" are included in the effective interest rate of the receivable and to the extent revenue share relates to “transactors” it must be presented in fee and commission expense. Payments based on profitability are presented in fee and commission expense.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Advisory</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Advisory fees are generated from wealth management services and investment banking advisory services related to mergers, acquisitions and financial restructurings. Wealth management advisory fees are earned over the period the services are provided and are generally recognised quarterly when the market value of client assets is determined. Investment banking advisory fees are recognised at the point in time when the services related to the transaction have been completed under the terms of the engagement. Investment banking advisory costs are recognised as incurred in fee and commission expense if direct and incremental to the advisory services or are otherwise recognised in operating expenses.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Brokerage and execution</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Brokerage and execution fees are earned for executing client transactions with various exchanges and over-the-counter markets and assisting clients in clearing transactions and facilitating foreign exchange transactions for spot/forward contracts. Brokerage and execution fees are recognised at the point in time the associated service has been completed which is generally the trade date of the transaction.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Underwriting and syndication</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Underwriting and syndication fees are earned for the distribution of client equity or debt securities and the arrangement and administration of a loan syndication. This includes commitment fees to provide loan financing. Underwriting fees are generally recognised on trade date if there is no remaining contingency, such as the transaction being conditional on the closing of an acquisition or another transaction. Underwriting costs are deferred and recognised in fee and commission expense when the associated underwriting fees are recorded. Syndication fees are earned for arranging and administering a loan syndication; however, the associated fee may be subject to variability until the loan has been syndicated to other syndicate members or until other contingencies have been resolved and therefore the fee revenue is deferred until the uncertainty is resolved.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Included in the underwriting and syndication fees are loan commitment fees, when the drawdown is not probable, which are not presented as part of the carrying value of the loan in accordance with IFRS 9. Such commitment fees are recognised over time through to the contractual maturity of the commitment.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Contract assets and contract liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group had no material contract assets or contract liabilities as at 31 December 2022 (2021: £nil; 2020: £nil).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Impairment of fee receivables and contract assets</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">During 2022, there have been no material impairments recognised in relation to fees receivable and contract assets (2021: £nil; 2020: £nil). Fees in relation to transactional business can be added to outstanding customer balances. These amounts may be subsequently impaired as part of the overall loans and advances balance.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Remaining performance obligations</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies the practical expedient of IFRS 15 and does not disclose information about remaining performance obligations that have original expected durations of one year or less or because the Group has a right to consideration that corresponds directly with the value of the service provided to the client or customer. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Costs incurred in obtaining or fulfilling a contract</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group expects that incremental costs of obtaining a contract such as success fee and commission fees paid are recoverable and therefore capitalise such contract costs. Capitalised contract costs net of amortisation as at 31 December 2022 are £198m (2021: £154m; 2020: £141m). </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Capitalised contract costs are amortised over the customer relationship period depending on the transfer of services to which the asset pertains. In 2022, the amount of amortisation was £47m (2021: £36m; 2020: £36m) and there was no impairment loss recognised in connection with the capitalised contract costs (2021: £nil; 2020: £nil).</span></div> | |
| CY2020 | ifrs-full |
Revenue From Contracts With Customers
RevenueFromContractsWithCustomers
|
8522000000 | gbp |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Fee And Commission Income And Expense Explanatory
DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory
|
<div style="margin-bottom:1pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for net fee and commission income</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IFRS 15 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Revenue from Contracts with Customers.</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> IFRS 15 establishes a five-step model governing revenue recognition. The five-step model requires the Group to (i) identify the contract with the customer, (ii) identify each of the performance obligations included in the contract, (iii) determine the amount of consideration in the contract, (iv) allocate the consideration to each of the identified performance obligations and (v) recognise revenue as each performance obligation is satisfied.</span></div>The Group recognises fee and commission income charged for services provided by the Group as and when performance obligations are satisfied, for example, on completion of the underlying transaction. Where the contractual arrangements also result in the Group recognising financial instruments in scope of IFRS 9, such financial instruments are initially recognised at fair value in accordance with IFRS 9 before applying the provisions of IFRS 15. | |
| CY2022 | ifrs-full |
Disclosure Of Disaggregation Of Revenue From Contracts With Customers Explanatory
DisclosureOfDisaggregationOfRevenueFromContractsWithCustomersExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Fee and commission income is disaggregated below by fee types that reflect the nature of the services offered across the Group and operating segments, in accordance with IFRS 15. The below table includes a total for fees in scope of IFRS 15. Refer to Note 2 for more detailed information about operating segments.</span></div><div style="margin-bottom:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee type</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transactional</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,084 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,256 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,340 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advisory</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">964 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,125 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Brokerage and execution</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,521 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,777 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underwriting and syndication</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,037 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,037 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">215 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total revenue from contracts with customers</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,560 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,931 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,494 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-contract fee income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,560 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,074 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,637 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(319)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,713)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,038)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,241 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,361 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,599 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee type</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transactional</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,443 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advisory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,096 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Brokerage and execution</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,135 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,363 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underwriting and syndication</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,425 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,425 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total revenue from contracts with customers</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,345 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,410 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,759 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-contract fee income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,345 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,531 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,880 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(218)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,983)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,206)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,127 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,548 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,674 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee type</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transactional</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">810 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,353 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,163 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advisory</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">854 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Brokerage and execution</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">212 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,173 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underwriting and syndication</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,867 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,867 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">253 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total revenue from contracts with customers</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,252 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,259 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,522 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-contract fee income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,252 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,378 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,641 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(308)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,754)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,070)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">944 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,624 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,571 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Revenue From Contracts With Customers
RevenueFromContractsWithCustomers
|
9494000000 | gbp |
| CY2022 | ifrs-full |
Other Fee And Commission Income
OtherFeeAndCommissionIncome
|
143000000 | gbp |
| CY2022 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
9637000000 | gbp |
| CY2022 | ifrs-full |
Fee And Commission Expense
FeeAndCommissionExpense
|
3038000000 | gbp |
| CY2022 | ifrs-full |
Fee And Commission Income Expense
FeeAndCommissionIncomeExpense
|
6599000000 | gbp |
| CY2021 | ifrs-full |
Revenue From Contracts With Customers
RevenueFromContractsWithCustomers
|
9759000000 | gbp |
| CY2021 | ifrs-full |
Other Fee And Commission Income
OtherFeeAndCommissionIncome
|
121000000 | gbp |
| CY2021 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
9880000000 | gbp |
| CY2021 | ifrs-full |
Fee And Commission Expense
FeeAndCommissionExpense
|
2206000000 | gbp |
| CY2020 | ifrs-full |
Other Fee And Commission Income
OtherFeeAndCommissionIncome
|
119000000 | gbp |
| CY2020 | ifrs-full |
Fee And Commission Income
FeeAndCommissionIncome
|
8641000000 | gbp |
| CY2020 | ifrs-full |
Fee And Commission Expense
FeeAndCommissionExpense
|
2070000000 | gbp |
| CY2020 | ifrs-full |
Fee And Commission Income Expense
FeeAndCommissionIncomeExpense
|
6571000000 | gbp |
| CY2022Q4 | ifrs-full |
Contract Liabilities
ContractLiabilities
|
0 | gbp |
| CY2022Q4 | ifrs-full |
Contract Assets
ContractAssets
|
0 | gbp |
| CY2021Q4 | ifrs-full |
Contract Liabilities
ContractLiabilities
|
0 | gbp |
| CY2021Q4 | ifrs-full |
Contract Assets
ContractAssets
|
0 | gbp |
| CY2020Q4 | ifrs-full |
Contract Assets
ContractAssets
|
0 | gbp |
| CY2020Q4 | ifrs-full |
Contract Liabilities
ContractLiabilities
|
0 | gbp |
| CY2022 | ifrs-full |
Impairment Loss On Receivables Or Contract Assets Arising From Contracts With Customers
ImpairmentLossOnReceivablesOrContractAssetsArisingFromContractsWithCustomers
|
0 | gbp |
| CY2021 | ifrs-full |
Impairment Loss On Receivables Or Contract Assets Arising From Contracts With Customers
ImpairmentLossOnReceivablesOrContractAssetsArisingFromContractsWithCustomers
|
0 | gbp |
| CY2020 | ifrs-full |
Impairment Loss On Receivables Or Contract Assets Arising From Contracts With Customers
ImpairmentLossOnReceivablesOrContractAssetsArisingFromContractsWithCustomers
|
0 | gbp |
| CY2022Q4 | ifrs-full |
Assets Recognised From Costs To Obtain Or Fulfil Contracts With Customers
AssetsRecognisedFromCostsToObtainOrFulfilContractsWithCustomers
|
198000000 | gbp |
| CY2021Q4 | ifrs-full |
Assets Recognised From Costs To Obtain Or Fulfil Contracts With Customers
AssetsRecognisedFromCostsToObtainOrFulfilContractsWithCustomers
|
154000000 | gbp |
| CY2020Q4 | ifrs-full |
Assets Recognised From Costs To Obtain Or Fulfil Contracts With Customers
AssetsRecognisedFromCostsToObtainOrFulfilContractsWithCustomers
|
141000000 | gbp |
| CY2022 | ifrs-full |
Amortisation Assets Recognised From Costs Incurred To Obtain Or Fulfil Contracts With Customers
AmortisationAssetsRecognisedFromCostsIncurredToObtainOrFulfilContractsWithCustomers
|
47000000 | gbp |
| CY2021 | ifrs-full |
Amortisation Assets Recognised From Costs Incurred To Obtain Or Fulfil Contracts With Customers
AmortisationAssetsRecognisedFromCostsIncurredToObtainOrFulfilContractsWithCustomers
|
36000000 | gbp |
| CY2021 | ifrs-full |
Gain Loss Arising From Derecognition Of Financial Assets Measured At Amortised Cost
GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost
|
114000000 | gbp |
| CY2020 | ifrs-full |
Gain Loss Arising From Derecognition Of Financial Assets Measured At Amortised Cost
GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost
|
-61000000 | gbp |
| CY2020 | ifrs-full |
Amortisation Assets Recognised From Costs Incurred To Obtain Or Fulfil Contracts With Customers
AmortisationAssetsRecognisedFromCostsIncurredToObtainOrFulfilContractsWithCustomers
|
36000000 | gbp |
| CY2022 | ifrs-full |
Impairment Loss Assets Recognised From Costs Incurred To Obtain Or Fulfil Contracts With Customers
ImpairmentLossAssetsRecognisedFromCostsIncurredToObtainOrFulfilContractsWithCustomers
|
0 | gbp |
| CY2021 | ifrs-full |
Impairment Loss Assets Recognised From Costs Incurred To Obtain Or Fulfil Contracts With Customers
ImpairmentLossAssetsRecognisedFromCostsIncurredToObtainOrFulfilContractsWithCustomers
|
0 | gbp |
| CY2020 | ifrs-full |
Impairment Loss Assets Recognised From Costs Incurred To Obtain Or Fulfil Contracts With Customers
ImpairmentLossAssetsRecognisedFromCostsIncurredToObtainOrFulfilContractsWithCustomers
|
0 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Trading Income Expense Explanatory
DisclosureOfTradingIncomeExpenseExplanatory
|
Net trading income<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for net trading income</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with IFRS 9, trading positions are held at fair value, and the resulting gains and losses are included in net trading income, together with interest and dividends arising from long and short positions and funding costs relating to trading activities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income arises from both the sale and purchase of trading positions, margins which are achieved through market-making and customer business and from changes in fair value caused by movements in interest and exchange rates, equity prices and other market variables.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains or losses on non-trading financial instruments designated or mandatorily at fair value with changes in fair value recognised in the income statement are included in net trading income where the business model is to manage assets and liabilities on a fair value basis which includes use of derivatives or where an instrument is designated at fair value to eliminate an accounting mismatch and the related instrument's gain and losses are reported in net trading income.</span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net gains on financial instruments held for trading</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,021 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,992 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,342 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net gains on financial instruments designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">508 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">692 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net gains on financial instruments mandatorily at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,520 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,110 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">987 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net trading income</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,049 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,794 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,029 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Trading Income And Expense Explanatory
DescriptionOfAccountingPolicyForTradingIncomeAndExpenseExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for net trading income</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with IFRS 9, trading positions are held at fair value, and the resulting gains and losses are included in net trading income, together with interest and dividends arising from long and short positions and funding costs relating to trading activities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Income arises from both the sale and purchase of trading positions, margins which are achieved through market-making and customer business and from changes in fair value caused by movements in interest and exchange rates, equity prices and other market variables.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Gains or losses on non-trading financial instruments designated or mandatorily at fair value with changes in fair value recognised in the income statement are included in net trading income where the business model is to manage assets and liabilities on a fair value basis which includes use of derivatives or where an instrument is designated at fair value to eliminate an accounting mismatch and the related instrument's gain and losses are reported in net trading income.</span></div> | |
| CY2022 | ifrs-full |
Trading Income Expense
TradingIncomeExpense
|
8049000000 | gbp |
| CY2021 | ifrs-full |
Trading Income Expense
TradingIncomeExpense
|
5794000000 | gbp |
| CY2020 | ifrs-full |
Trading Income Expense
TradingIncomeExpense
|
7029000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Finance Income Expense Explanatory
DisclosureOfFinanceIncomeExpenseExplanatory
|
Net investment income<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for net investment income/(expense)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Dividends are recognised when the right to receive the dividend has been established. Other accounting policies relating to net investment income are set out in Note 13 and Note 15.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net (losses)/gains from financial instruments mandatorily at fair value </span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net (losses)/gains from disposal of debt instruments at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">305 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">295 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net (losses)/gains from disposal of financial assets and liabilities measured at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(61)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net losses on other investments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(285)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(201)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(208)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net investment (expense)/income</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(434)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div>a Included within the 2022 balance are losses of £74m on sale arising from disposal of Barclays’ equity stake in Absa Group Limited (Absa) in April 2022 and September 2022. | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Dividends Explanatory
DescriptionOfAccountingPolicyForDividendsExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for net investment income/(expense)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Dividends are recognised when the right to receive the dividend has been established. Other accounting policies relating to net investment income are set out in Note 13 and Note 15.</span></div> | |
| CY2022 | ifrs-full |
Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value
GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue
|
-51000000 | gbp |
| CY2021 | ifrs-full |
Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value
GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue
|
73000000 | gbp |
| CY2020 | ifrs-full |
Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value
GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue
|
-50000000 | gbp |
| CY2022 | ifrs-full |
Cumulative Gain Loss On Disposal Of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income
CumulativeGainLossOnDisposalOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
-111000000 | gbp |
| CY2021 | ifrs-full |
Cumulative Gain Loss On Disposal Of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income
CumulativeGainLossOnDisposalOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
305000000 | gbp |
| CY2020 | ifrs-full |
Cumulative Gain Loss On Disposal Of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income
CumulativeGainLossOnDisposalOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome
|
295000000 | gbp |
| CY2022 | ifrs-full |
Gain Loss Arising From Derecognition Of Financial Assets Measured At Amortised Cost
GainLossArisingFromDerecognitionOfFinancialAssetsMeasuredAtAmortisedCost
|
-18000000 | gbp |
| CY2022 | ifrs-full |
Revenue From Dividends
RevenueFromDividends
|
31000000 | gbp |
| CY2021 | ifrs-full |
Revenue From Dividends
RevenueFromDividends
|
20000000 | gbp |
| CY2020 | ifrs-full |
Revenue From Dividends
RevenueFromDividends
|
37000000 | gbp |
| CY2022 | bcs |
Other Investment Income
OtherInvestmentIncome
|
-285000000 | gbp |
| CY2021 | bcs |
Other Investment Income
OtherInvestmentIncome
|
-201000000 | gbp |
| CY2020 | bcs |
Other Investment Income
OtherInvestmentIncome
|
-208000000 | gbp |
| CY2022 | bcs |
Investment Income Expense
InvestmentIncomeExpense
|
-434000000 | gbp |
| CY2021 | bcs |
Investment Income Expense
InvestmentIncomeExpense
|
311000000 | gbp |
| CY2020 | bcs |
Investment Income Expense
InvestmentIncomeExpense
|
13000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Expenses Explanatory
DisclosureOfExpensesExplanatory
|
Operating expenses<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Infrastructure costs</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property and equipment</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,649 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,538 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,590 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,723 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,673 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,539 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment of property, equipment and intangible assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">194 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total infrastructure costs</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,435 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,614 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,323 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Administration and general expenses</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consultancy, legal and professional fees</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">669 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">610 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">567 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Marketing and advertising</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">500 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">399 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">330 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">170 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">299 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other administration and general expenses</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,101 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">958 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,117 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total administration and general expenses</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,446 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,137 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,313 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Staff costs</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,252 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,511 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,097 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Litigation and conduct</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,597 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,730 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,659 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,886 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a In 2021, Impairment of property, equipment and intangible assets included £266m relating to structural cost actions taken as part of the real estate review.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For further details on staff costs including accounting policies, refer to Note 31.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Expenses By Nature Explanatory
DisclosureOfExpensesByNatureExplanatory
|
<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Infrastructure costs</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property and equipment</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,649 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,538 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,590 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,723 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,673 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,539 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment of property, equipment and intangible assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">194 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total infrastructure costs</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,435 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,614 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,323 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Administration and general expenses</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consultancy, legal and professional fees</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">669 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">610 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">567 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Marketing and advertising</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">500 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">399 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">330 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">170 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">299 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other administration and general expenses</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,101 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">958 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,117 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total administration and general expenses</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,446 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,137 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,313 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Staff costs</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,252 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,511 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,097 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Litigation and conduct</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,597 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,730 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,659 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,886 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a In 2021, Impairment of property, equipment and intangible assets included £266m relating to structural cost actions taken as part of the real estate review.</span></div> | |
| CY2022 | ifrs-full |
Changes In Property Plant And Equipment
ChangesInPropertyPlantAndEquipment
|
1649000000 | gbp |
| CY2021 | ifrs-full |
Changes In Property Plant And Equipment
ChangesInPropertyPlantAndEquipment
|
1538000000 | gbp |
| CY2020 | ifrs-full |
Changes In Property Plant And Equipment
ChangesInPropertyPlantAndEquipment
|
1590000000 | gbp |
| CY2022 | ifrs-full |
Depreciation And Amortisation Expense
DepreciationAndAmortisationExpense
|
1723000000 | gbp |
| CY2021 | ifrs-full |
Depreciation And Amortisation Expense
DepreciationAndAmortisationExpense
|
1673000000 | gbp |
| CY2020 | ifrs-full |
Depreciation And Amortisation Expense
DepreciationAndAmortisationExpense
|
1539000000 | gbp |
| CY2022 | ifrs-full |
Impairment Loss
ImpairmentLoss
|
63000000 | gbp |
| CY2021 | ifrs-full |
Impairment Loss
ImpairmentLoss
|
403000000 | gbp |
| CY2020 | ifrs-full |
Impairment Loss
ImpairmentLoss
|
194000000 | gbp |
| CY2022 | bcs |
Infrastructure Costs
InfrastructureCosts
|
3435000000 | gbp |
| CY2021 | bcs |
Infrastructure Costs
InfrastructureCosts
|
3614000000 | gbp |
| CY2020 | bcs |
Infrastructure Costs
InfrastructureCosts
|
3323000000 | gbp |
| CY2022 | ifrs-full |
Professional Fees Expense
ProfessionalFeesExpense
|
669000000 | gbp |
| CY2021 | ifrs-full |
Professional Fees Expense
ProfessionalFeesExpense
|
610000000 | gbp |
| CY2020 | ifrs-full |
Professional Fees Expense
ProfessionalFeesExpense
|
567000000 | gbp |
| CY2022 | ifrs-full |
Sales And Marketing Expense
SalesAndMarketingExpense
|
500000000 | gbp |
| CY2021 | ifrs-full |
Sales And Marketing Expense
SalesAndMarketingExpense
|
399000000 | gbp |
| CY2020 | ifrs-full |
Sales And Marketing Expense
SalesAndMarketingExpense
|
330000000 | gbp |
| CY2022 | ifrs-full |
Bank And Similar Charges
BankAndSimilarCharges
|
176000000 | gbp |
| CY2021 | ifrs-full |
Bank And Similar Charges
BankAndSimilarCharges
|
170000000 | gbp |
| CY2020 | ifrs-full |
Bank And Similar Charges
BankAndSimilarCharges
|
299000000 | gbp |
| CY2022 | ifrs-full |
Miscellaneous Other Operating Expense
MiscellaneousOtherOperatingExpense
|
1101000000 | gbp |
| CY2021 | ifrs-full |
Miscellaneous Other Operating Expense
MiscellaneousOtherOperatingExpense
|
958000000 | gbp |
| CY2020 | ifrs-full |
Miscellaneous Other Operating Expense
MiscellaneousOtherOperatingExpense
|
1117000000 | gbp |
| CY2022 | ifrs-full |
Selling General And Administrative Expense
SellingGeneralAndAdministrativeExpense
|
2446000000 | gbp |
| CY2021 | ifrs-full |
Selling General And Administrative Expense
SellingGeneralAndAdministrativeExpense
|
2137000000 | gbp |
| CY2020 | ifrs-full |
Selling General And Administrative Expense
SellingGeneralAndAdministrativeExpense
|
2313000000 | gbp |
| CY2022 | ifrs-full |
Employee Benefits Expense
EmployeeBenefitsExpense
|
9252000000 | gbp |
| CY2021 | ifrs-full |
Employee Benefits Expense
EmployeeBenefitsExpense
|
8511000000 | gbp |
| CY2020 | ifrs-full |
Employee Benefits Expense
EmployeeBenefitsExpense
|
8097000000 | gbp |
| CY2022 | ifrs-full |
Losses On Litigation Settlements
LossesOnLitigationSettlements
|
1597000000 | gbp |
| CY2021 | ifrs-full |
Losses On Litigation Settlements
LossesOnLitigationSettlements
|
397000000 | gbp |
| CY2020 | ifrs-full |
Losses On Litigation Settlements
LossesOnLitigationSettlements
|
153000000 | gbp |
| CY2022 | ifrs-full |
Operating Expense
OperatingExpense
|
16730000000 | gbp |
| CY2021 | ifrs-full |
Operating Expense
OperatingExpense
|
14659000000 | gbp |
| CY2020 | ifrs-full |
Operating Expense
OperatingExpense
|
13886000000 | gbp |
| CY2021 | bcs |
Impairment Loss Related To Structural Costs
ImpairmentLossRelatedToStructuralCosts
|
266000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Allowance For Credit Losses Explanatory
DisclosureOfAllowanceForCreditLossesExplanatory
|
Credit impairment charges/(releases)<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for the impairment of financial assets</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Impairment</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with IFRS 9, the Group is required to recognise expected credit losses (ECLs) based on unbiased forward-looking information for all financial assets at amortised cost, lease receivables, debt financial assets at fair value through other comprehensive income, loan commitments and financial guarantee contracts. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At the reporting date, an allowance (or provision for loan commitments and financial guarantees) is required for the 12 month (Stage 1) ECLs. If the credit risk has significantly increased since initial recognition (Stage 2), or if the financial instrument is credit impaired (Stage 3), an allowance (or provision) should be recognised for the lifetime ECLs. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The measurement of ECL is calculated using three main components: (i) probability of default (PD) (ii) loss given default (LGD) and (iii) the exposure at default (EAD). </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The 12 month and lifetime ECLs are calculated by multiplying the respective PD, LGD and the EAD. The 12 month and lifetime PDs represent the PD occurring over the next 12 months and the remaining maturity of the instrument respectively. The EAD represents the expected balance at default, taking into account the repayment of principal and interest from the balance sheet date to the default event together with any expected drawdowns of committed facilities. The LGD represents expected losses on the EAD given the event of default, taking into account, among other attributes, the mitigating effect of collateral value at the time it is expected to be realised and the time value of money. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Expected credit loss measurement is based on the ability of borrowers to make payments as they fall due. The Group also considers sector-specific risks and whether additional adjustments are required in the measurement of ECL. Credit risk may be impacted by climate considerations for certain sectors, such as oil and gas.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Determining a significant increase in credit risk since initial recognition:</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group assesses when a significant increase in credit risk has occurred based on quantitative and qualitative assessments. The credit risk of an exposure is considered to have significantly increased when:</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">i) Quantitative test</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The annualised lifetime PD has increased by more than an agreed threshold relative to the equivalent at origination.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">PD deterioration thresholds are defined as percentage increases, and are set at an origination score band and segment level to ensure the test appropriately captures significant increases in credit risk at all risk levels. Generally, thresholds are inversely correlated to the origination PD, i.e. as the origination PD increases, the threshold value reduces.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The assessment of the point at which a PD increase is deemed ‘significant’, is based upon analysis of the portfolio’s risk profile against a common set of principles and performance metrics (consistent across both retail and wholesale businesses), incorporating expert credit judgement where appropriate. Application of quantitative PD floors does not represent the use of the low credit risk exemption as exposures can separately move into Stage 2 via the qualitative route described below. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Wholesale assets apply a 100% increase in PD and 0.2% PD floor to determine a significant increase in credit risk.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Retail assets apply bespoke relative increase and absolute PD thresholds based on product type and origination PD. Thresholds are subject to maximums defined by Group policy and typically apply minimum relative thresholds of 50-100% and a maximum relative threshold of 400%.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For existing/historical exposures where origination point scores or data are no longer available or do not represent a comparable estimate of lifetime PD, a proxy origination score is defined, based upon: </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">back-population of the approved lifetime PD score either to origination date or, where this is not feasible, as far back as possible (subject to a data start point no later than 1 January 2015); or</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">use of available historical account performance data and other customer information, to derive a comparable ‘proxy’ estimation of origination PD.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">ii) Qualitative test</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">This is relevant for accounts that meet the portfolio’s ‘high risk’ criteria and are subject to closer credit monitoring.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">High risk customers may not be in arrears but either through an event or an observed behaviour exhibit credit distress. The definition and assessment of high risk includes as wide a range of information as reasonably available, such as industry and Group-wide customer level data, including but not limited to bureau scores and high consumer indebtedness index, wherever possible or relevant.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Whilst the high risk populations applied for IFRS 9 impairment purposes are aligned with risk management processes, they are also regularly reviewed and validated to ensure that they capture any incremental segments where there is evidence of credit deterioration.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">iii) Backstop criteria</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">This is relevant for accounts that are more than 30 calendar days past due. The 30 days past due criteria is a backstop rather than a primary driver of moving exposures into Stage 2.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The criteria for determining a significant increase in credit risk for assets with bullet repayments follows the same principle as all other assets, i.e. quantitative, qualitative and backstop tests are all applied.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exposures will move back to Stage 1 once they no longer meet the criteria for a significant increase in credit risk. This means that, at a minimum all payments must be up-to-date, the PD deterioration test is no longer met, the account is no longer classified as high risk, and the customer has evidenced an ability to maintain future payments. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exposures are only removed from Stage 3 and reassigned to Stage 2 once the original default trigger event no longer applies. Exposures being removed from Stage 3 must no longer qualify as credit impaired, and:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">a)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:2.06pt">the obligor will also have demonstrated consistently good payment behaviour over a 12-month period, by making all consecutive contractual payments due and, for forborne exposures, the relevant EBA defined probationary period has also been successfully completed or;</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">b)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:1.66pt">(for non-forborne exposures) the performance conditions are defined and approved within an appropriately sanctioned restructure plan, including 12 months’ payment history have been met.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Management overlays and other exceptions to model outputs are applied only if consistent with the objective of identifying significant increases in credit risk.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Forward-looking information</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The measurement of ECL involves complexity and judgement, including estimation of PD, LGD, a range of unbiased future economic scenarios, estimation of expected lives (where contractual life is not appropriate), and estimation of EAD and assessing significant increases in credit risk.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit losses are the expected cash shortfalls from what is contractually due over the expected life of the financial instrument, discounted at the original effective interest rate (EIR). ECLs are the unbiased probability-weighted credit losses determined by evaluating a range of possible outcomes and considering future economic conditions.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group uses a five-scenario model to calculate ECL. An external consensus forecast is assembled from key sources, including HM Treasury (short and medium-term forecasts) and Bloomberg (based on median of economic forecasts), which forms the Baseline scenario. In addition, two adverse scenarios (Downside 1 and Downside 2) and two favourable scenarios (Upside 1 and Upside 2) are derived, with associated probability weightings. The adverse scenarios are calibrated to a broadly similar severity to the Group's internal stress tests and stress scenarios provided by regulators whilst also considering IFRS 9 specific sensitivities and non-linearity. The favourable scenarios are designed to reflect plausible upside risks to the Baseline scenario which are broadly consistent with the economic narrative approved by the Senior Scenario Review Committee. All scenarios are regenerated at a minimum semi-annually. The scenarios include key economic variables (including GDP, unemployment, House Price Index (HPI) and base rates in both the UK and US markets) and expanded variables using statistical models based on historical correlations. The upside and downside shocks are designed to evolve over a five-year stress horizon, with all five scenarios converging to a steady state after approximately seven years.</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The methodology for estimating probability weights for each of the scenarios involves a comparison of the distribution of key historical UK and US macroeconomic variables against the forecast paths of the five scenarios. The methodology works such that the baseline (reflecting current consensus outlook) has the highest weight and the weights of adverse and favourable scenarios depend on the deviation from the baseline; the further from the baseline, the smaller the weight. A single set of five scenarios is used across all portfolios and all five weights are normalised to equate to 100%. The same scenarios used in the estimation of expected credit losses are also used to inform Barclays' internal planning. The impacts across the portfolios are different because of the sensitivities of each of the portfolios to specific macroeconomic variables, for example, mortgages are highly sensitive to house prices, and credit cards and unsecured consumer loans are highly sensitive to unemployment.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Definition of default, credit impaired assets, write-offs, and interest income recognition</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The definition of default for the purpose of determining ECLs, and for internal credit risk management purposes, has been aligned to the Regulatory Capital CRR Article 178 definition of default, to maintain a consistent approach with IFRS 9 and associated regulatory guidance. The Regulatory Capital CRR Article 178 definition of default considers indicators that the debtor is unlikely to pay, includes </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">exposures in forbearance and is no later than when the exposure is more than 90 days past due. When exposures are identified as credit impaired at the time when they are purchased or originated interest income is calculated on the carrying value net of the impairment allowance.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">An asset is considered credit impaired when one or more events occur that have a detrimental impact on the estimated future cash flows of the financial asset. This comprises assets defined as defaulted and other individually assessed exposures where imminent default or actual loss is identified.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Uncollectable loans are written off against the related allowance for loan impairment on completion of the Group’s internal processes and when all reasonably expected recoverable amounts have been collected. Subsequent recoveries of amounts previously written off are credited to the income statement. The timing and extent of write-offs may involve some element of subjective judgement. Nevertheless, a write-off will often be prompted by a specific event, such as the inception of insolvency proceedings or other formal recovery action, which makes it possible to establish that some or the entire advance is beyond realistic prospect of recovery.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for purchased financial guarantee contracts</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group may enter into a financial guarantee contract which requires the issuer of such contract to reimburse the Group for a loss it incurs because a specified debtor fails to make payment when due in accordance with the terms of a debt instrument. For these separate financial guarantee contracts, the Group recognises a reimbursement asset aligned with the recognition of the underlying ECLs, if it is considered virtually certain that a reimbursement would be received if the specified debtor fails to make payment when due in accordance with the terms of the debt instrument.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Loan modifications and renegotiations that are not credit-impaired</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When modification of a loan agreement occurs as a result of commercial restructuring activity rather than due to the credit risk of the borrower, an assessment must be performed to determine whether the terms of the new agreement are substantially different from the terms of the existing agreement. This assessment considers both the change in cash flows arising from the modified terms as well as the change in overall instrument risk profile. In respect of payment holidays granted to borrowers which are not due to forbearance, if the revised cash flows on a present value basis (based on the original EIR) are not substantially different from the original cash flows, the loan is not considered to be substantially modified. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Where terms are substantially different, the existing loan will be derecognised and a new loan will be recognised at fair value, with any difference in valuation recognised immediately within the income statement, subject to observability criteria.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Where terms are not substantially different, the loan carrying value will be adjusted to reflect the present value of modified cash flows discounted at the original EIR, with any resulting gain or loss recognised immediately within the income statement as a modification gain or loss. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Note 1 sets out details for changes in the basis of determining the contractual cash flows of a financial instrument that are required by interest rate benchmark reform.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Expected life</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Lifetime ECLs must be measured over the expected life. This is restricted to the maximum contractual life and takes into account expected prepayment, extension, call and similar options. The exceptions are certain revolving financial instruments, such as credit cards and bank overdrafts, that include both a drawn and an undrawn component where the entity’s contractual ability to demand repayment and cancel the undrawn commitment does not limit the entity’s exposure to credit losses to the contractual notice period. For revolving facilities, expected life is analytically derived to reflect the behavioural life of the asset, i.e. the full period over which the business expects to be exposed to credit risk. Behavioural life is typically based upon historical analysis of the average time to default, closure or withdrawal of facility. Where data is insufficient or analysis inconclusive, an additional ‘maturity factor’ may be incorporated to reflect the full estimated life of the exposures, based upon experienced judgement and/or peer analysis. Potential future modifications of contracts are not taken into account when determining the expected life or EAD until they occur.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Discounting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ECLs are discounted at the EIR at initial recognition or an approximation thereof and consistent with income recognition. For loan commitments the EIR is the rate that is expected to apply when the loan is drawn down and a financial asset is recognised. Issued financial guarantee contracts are discounted at the risk free rate. Lease receivables are discounted at the rate implicit in the lease. For variable/floating rate financial assets, the spot rate at the reporting date is used and projections of changes in the variable rate over the expected life are not made to estimate future interest cash flows or for discounting.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Modelling techniques</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The regulatory Basel Committee of Banking Supervisors (BCBS) ECL calculations are leveraged for IFRS 9 modelling but adjusted for key differences which include:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">BCBS requires 12 month through the economic cycle losses whereas IFRS 9 requires 12 months or lifetime point in time losses based on conditions at the reporting date and multiple forecasts of the future economic conditions over the expected lives;</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">IFRS 9 models do not include certain conservative BCBS model floors and downturn assessments and require discounting to the reporting date at the original EIR rather than using the cost of capital to the date of default;</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Management adjustments are made to modelled output to account for situations where known or expected risk factors and information have not been considered in the modelling process, for example forecast economic scenarios for uncertain political events; and</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">ECL is measured at the individual financial instrument level, however a collective approach where financial instruments with similar risk characteristics are grouped together, with apportionment to individual financial instruments, is used where effects can only be seen at a collective level, for example for forward-looking information.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For the IFRS 9 impairment assessment, the Group’s risk models are used to determine the PD, LGD and EAD. For Stage 2 and 3, the Group applies lifetime PDs but uses 12 month PDs for Stage 1. The ECL drivers of PD, EAD and LGD are modelled at an account level which considers vintage, among other credit factors. Also, the assessment of significant increase in credit risk is based on the initial lifetime PD curve, which accounts for the different credit risk underwritten over time.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Forbearance</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A financial asset is subject to forbearance when it is modified due to the credit distress of the borrower. A modification made to the terms of an asset due to forbearance will typically be assessed as a non-substantial modification that does not result in derecognition of the original loan, except in circumstances where debt is exchanged for equity. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Both performing and non-performing forbearance assets are classified as Stage 3 except where it is established that the concession granted has not resulted in diminished financial obligation and that no other regulatory definition of default criteria have been triggered, in which case the asset is classified as Stage 2. The minimum probationary period for non-performing forbearance is 12 months and for performing forbearance, 24 months. Hence, a minimum of 36 months is required for non-performing forbearance to move out of a forborne state.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">No financial instrument in forbearance can transfer back to Stage 1 until all of the Stage 2 thresholds are no longer met and can only move out of Stage 3 when no longer credit impaired.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IFRS 9 impairment involves several important areas of judgement, including estimating forward-looking modelled parameters (PD, LGD and EAD), developing a range of unbiased future economic scenarios, estimating expected lives and assessing significant increases in credit risk, based on the Group’s experience of managing credit risk. The determination of expected life is most material for Barclays' credit card portfolios which is obtained via behavioural life analysis to materially capture the risk of these facilities. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%">Within the retail and small businesses portfolios, which comprise large numbers of small homogenous assets with similar risk characteristics where credit scoring techniques are generally used, the impairment allowance is calculated using forward-looking modelled parameters which are typically run at account level. There are many models in use, each tailored to a product, line of business or customer category. Judgement and knowledge is needed in selecting the statistical methods to use when the models are developed or revised. Management adjustments to impairment models, which contain an element of subjectivity, are applied in order to factor in certain conditions or changes in policy that are not fully incorporated into the impairment models, or to reflect additional facts and circumstances at the period end. Management adjustments are reviewed and incorporated into future model development where appropriate. The impairment charge reflected in the income statement for retail portfolios is £976m (2021: £289m release; 2020: £3,116m charge) of the total impairment charge on loans and advances and off-balance sheet loan commitments and financial guarantee contracts.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%">For individually significant assets in Stage 3, impairment allowances are calculated on an individual basis and all relevant considerations that have a bearing on the expected future cash flows across a range of economic scenarios are taken into account. These considerations can be particularly subjective and can include the business prospects for the customer, the realisable value of collateral, the Group’s position relative to other claimants, the reliability of customer information and the likely cost and duration of the work-out process. The level of the impairment allowance is the difference between the value of the discounted expected future cash flows (discounted at the loan’s original effective interest rate), and its carrying amount. Furthermore, judgements change with time as new information becomes available or as work-out strategies evolve, resulting in frequent revisions to the impairment allowance as individual decisions are taken. Changes in these estimates would result in a change in the allowances and have a direct impact on the impairment charge. The impairment charge reflected in the financial statements in relation to wholesale portfolios is £207m (2021: £346m release; 2020: £1,569m charge) of the total impairment charge on loans and advances and off-balance sheet loan commitments and financial guarantee contracts. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%">Further information on impairment allowances, impairment charges, management adjustments to models for impairment, measurement uncertainty, sensitivity analysis and related credit information is set out within the Credit risk performance section. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%">Temporary adjustments to calculated IFRS9 impairment allowances may be applied in limited circumstances to account for situations where known or expected risk factors or information have not been considered in the ECL assessment or modelling process. For further information please see page <a href="#i71905e25e6934d519e4c69feac849fcb_727" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%;text-decoration:none">237</a> in the Credit risk performance section.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%">Information about the potential impact of the physical and transition risks of climate change on borrowers is considered, taking into account reasonable and supportable information to make accounting judgements and estimates. Climate change is inherently of a long-term nature, with significant levels of uncertainty, and consequently requires judgement in determining the possible impact in the next financial year, if any. </span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.203%"><tr><td style="width:1.0%"/><td style="width:22.996%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.340%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment Charges/(Releases)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Recoveries and reimburse-ments</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment Charges/(Releases)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Recoveries and reimburse-ments</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment Charges/(Releases)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Recoveries and reimburse-ments</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,428 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(263)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,165 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(361)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(121)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,308 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(399)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,909 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet loan<br/>commitments and financial<br/>guarantee contracts</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(514)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(514)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,446 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(263)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,183 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(875)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(635)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,084 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(399)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,685 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial instruments at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets measured at cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit impairment charges/(releases)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,483 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(263)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(893)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(653)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,237 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(399)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,838 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Recoveries and reimbursements includes a net increase in amounts recoverable from financial guarantee contracts held with third parties of £199m (2021: £(306)m) and cash recoveries of previously written off amounts of £64m (2021: £66m).</span></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Write-offs that can be subjected to enforcement activity</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The contractual amount outstanding on financial assets that were written off during the year and that can still be subjected to enforcement activity is £949m (2021: £1,190m). This is lower than the write-offs presented in the movement in gross exposures and impairment allowance table due to assets sold during the year post write-offs and post write-off recoveries. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Modification of financial assets</span></div>Financial assets of £2,412m (2021: £3,446m), with a loss allowance measured at an amount equal to lifetime ECL, were subject to non-substantial modification during the year, with a resulting loss of £4m (2021: £11m). The gross carrying amount of financial assets subject to non-substantial modification for which the loss allowance has changed to a 12 month ECL during the year amounts to £1,077m (2021: £419m). | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Impairment Of Financial Assets Explanatory
DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for the impairment of financial assets</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Impairment</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with IFRS 9, the Group is required to recognise expected credit losses (ECLs) based on unbiased forward-looking information for all financial assets at amortised cost, lease receivables, debt financial assets at fair value through other comprehensive income, loan commitments and financial guarantee contracts. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At the reporting date, an allowance (or provision for loan commitments and financial guarantees) is required for the 12 month (Stage 1) ECLs. If the credit risk has significantly increased since initial recognition (Stage 2), or if the financial instrument is credit impaired (Stage 3), an allowance (or provision) should be recognised for the lifetime ECLs. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The measurement of ECL is calculated using three main components: (i) probability of default (PD) (ii) loss given default (LGD) and (iii) the exposure at default (EAD). </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The 12 month and lifetime ECLs are calculated by multiplying the respective PD, LGD and the EAD. The 12 month and lifetime PDs represent the PD occurring over the next 12 months and the remaining maturity of the instrument respectively. The EAD represents the expected balance at default, taking into account the repayment of principal and interest from the balance sheet date to the default event together with any expected drawdowns of committed facilities. The LGD represents expected losses on the EAD given the event of default, taking into account, among other attributes, the mitigating effect of collateral value at the time it is expected to be realised and the time value of money. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Expected credit loss measurement is based on the ability of borrowers to make payments as they fall due. The Group also considers sector-specific risks and whether additional adjustments are required in the measurement of ECL. Credit risk may be impacted by climate considerations for certain sectors, such as oil and gas.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Determining a significant increase in credit risk since initial recognition:</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group assesses when a significant increase in credit risk has occurred based on quantitative and qualitative assessments. The credit risk of an exposure is considered to have significantly increased when:</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">i) Quantitative test</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The annualised lifetime PD has increased by more than an agreed threshold relative to the equivalent at origination.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">PD deterioration thresholds are defined as percentage increases, and are set at an origination score band and segment level to ensure the test appropriately captures significant increases in credit risk at all risk levels. Generally, thresholds are inversely correlated to the origination PD, i.e. as the origination PD increases, the threshold value reduces.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The assessment of the point at which a PD increase is deemed ‘significant’, is based upon analysis of the portfolio’s risk profile against a common set of principles and performance metrics (consistent across both retail and wholesale businesses), incorporating expert credit judgement where appropriate. Application of quantitative PD floors does not represent the use of the low credit risk exemption as exposures can separately move into Stage 2 via the qualitative route described below. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Wholesale assets apply a 100% increase in PD and 0.2% PD floor to determine a significant increase in credit risk.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Retail assets apply bespoke relative increase and absolute PD thresholds based on product type and origination PD. Thresholds are subject to maximums defined by Group policy and typically apply minimum relative thresholds of 50-100% and a maximum relative threshold of 400%.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For existing/historical exposures where origination point scores or data are no longer available or do not represent a comparable estimate of lifetime PD, a proxy origination score is defined, based upon: </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">back-population of the approved lifetime PD score either to origination date or, where this is not feasible, as far back as possible (subject to a data start point no later than 1 January 2015); or</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">use of available historical account performance data and other customer information, to derive a comparable ‘proxy’ estimation of origination PD.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">ii) Qualitative test</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">This is relevant for accounts that meet the portfolio’s ‘high risk’ criteria and are subject to closer credit monitoring.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">High risk customers may not be in arrears but either through an event or an observed behaviour exhibit credit distress. The definition and assessment of high risk includes as wide a range of information as reasonably available, such as industry and Group-wide customer level data, including but not limited to bureau scores and high consumer indebtedness index, wherever possible or relevant.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Whilst the high risk populations applied for IFRS 9 impairment purposes are aligned with risk management processes, they are also regularly reviewed and validated to ensure that they capture any incremental segments where there is evidence of credit deterioration.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">iii) Backstop criteria</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">This is relevant for accounts that are more than 30 calendar days past due. The 30 days past due criteria is a backstop rather than a primary driver of moving exposures into Stage 2.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The criteria for determining a significant increase in credit risk for assets with bullet repayments follows the same principle as all other assets, i.e. quantitative, qualitative and backstop tests are all applied.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exposures will move back to Stage 1 once they no longer meet the criteria for a significant increase in credit risk. This means that, at a minimum all payments must be up-to-date, the PD deterioration test is no longer met, the account is no longer classified as high risk, and the customer has evidenced an ability to maintain future payments. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exposures are only removed from Stage 3 and reassigned to Stage 2 once the original default trigger event no longer applies. Exposures being removed from Stage 3 must no longer qualify as credit impaired, and:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">a)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:2.06pt">the obligor will also have demonstrated consistently good payment behaviour over a 12-month period, by making all consecutive contractual payments due and, for forborne exposures, the relevant EBA defined probationary period has also been successfully completed or;</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">b)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:1.66pt">(for non-forborne exposures) the performance conditions are defined and approved within an appropriately sanctioned restructure plan, including 12 months’ payment history have been met.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Management overlays and other exceptions to model outputs are applied only if consistent with the objective of identifying significant increases in credit risk.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Forward-looking information</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The measurement of ECL involves complexity and judgement, including estimation of PD, LGD, a range of unbiased future economic scenarios, estimation of expected lives (where contractual life is not appropriate), and estimation of EAD and assessing significant increases in credit risk.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit losses are the expected cash shortfalls from what is contractually due over the expected life of the financial instrument, discounted at the original effective interest rate (EIR). ECLs are the unbiased probability-weighted credit losses determined by evaluating a range of possible outcomes and considering future economic conditions.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group uses a five-scenario model to calculate ECL. An external consensus forecast is assembled from key sources, including HM Treasury (short and medium-term forecasts) and Bloomberg (based on median of economic forecasts), which forms the Baseline scenario. In addition, two adverse scenarios (Downside 1 and Downside 2) and two favourable scenarios (Upside 1 and Upside 2) are derived, with associated probability weightings. The adverse scenarios are calibrated to a broadly similar severity to the Group's internal stress tests and stress scenarios provided by regulators whilst also considering IFRS 9 specific sensitivities and non-linearity. The favourable scenarios are designed to reflect plausible upside risks to the Baseline scenario which are broadly consistent with the economic narrative approved by the Senior Scenario Review Committee. All scenarios are regenerated at a minimum semi-annually. The scenarios include key economic variables (including GDP, unemployment, House Price Index (HPI) and base rates in both the UK and US markets) and expanded variables using statistical models based on historical correlations. The upside and downside shocks are designed to evolve over a five-year stress horizon, with all five scenarios converging to a steady state after approximately seven years.</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The methodology for estimating probability weights for each of the scenarios involves a comparison of the distribution of key historical UK and US macroeconomic variables against the forecast paths of the five scenarios. The methodology works such that the baseline (reflecting current consensus outlook) has the highest weight and the weights of adverse and favourable scenarios depend on the deviation from the baseline; the further from the baseline, the smaller the weight. A single set of five scenarios is used across all portfolios and all five weights are normalised to equate to 100%. The same scenarios used in the estimation of expected credit losses are also used to inform Barclays' internal planning. The impacts across the portfolios are different because of the sensitivities of each of the portfolios to specific macroeconomic variables, for example, mortgages are highly sensitive to house prices, and credit cards and unsecured consumer loans are highly sensitive to unemployment.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Definition of default, credit impaired assets, write-offs, and interest income recognition</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The definition of default for the purpose of determining ECLs, and for internal credit risk management purposes, has been aligned to the Regulatory Capital CRR Article 178 definition of default, to maintain a consistent approach with IFRS 9 and associated regulatory guidance. The Regulatory Capital CRR Article 178 definition of default considers indicators that the debtor is unlikely to pay, includes </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">exposures in forbearance and is no later than when the exposure is more than 90 days past due. When exposures are identified as credit impaired at the time when they are purchased or originated interest income is calculated on the carrying value net of the impairment allowance.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">An asset is considered credit impaired when one or more events occur that have a detrimental impact on the estimated future cash flows of the financial asset. This comprises assets defined as defaulted and other individually assessed exposures where imminent default or actual loss is identified.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Uncollectable loans are written off against the related allowance for loan impairment on completion of the Group’s internal processes and when all reasonably expected recoverable amounts have been collected. Subsequent recoveries of amounts previously written off are credited to the income statement. The timing and extent of write-offs may involve some element of subjective judgement. Nevertheless, a write-off will often be prompted by a specific event, such as the inception of insolvency proceedings or other formal recovery action, which makes it possible to establish that some or the entire advance is beyond realistic prospect of recovery.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for purchased financial guarantee contracts</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group may enter into a financial guarantee contract which requires the issuer of such contract to reimburse the Group for a loss it incurs because a specified debtor fails to make payment when due in accordance with the terms of a debt instrument. For these separate financial guarantee contracts, the Group recognises a reimbursement asset aligned with the recognition of the underlying ECLs, if it is considered virtually certain that a reimbursement would be received if the specified debtor fails to make payment when due in accordance with the terms of the debt instrument.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Loan modifications and renegotiations that are not credit-impaired</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When modification of a loan agreement occurs as a result of commercial restructuring activity rather than due to the credit risk of the borrower, an assessment must be performed to determine whether the terms of the new agreement are substantially different from the terms of the existing agreement. This assessment considers both the change in cash flows arising from the modified terms as well as the change in overall instrument risk profile. In respect of payment holidays granted to borrowers which are not due to forbearance, if the revised cash flows on a present value basis (based on the original EIR) are not substantially different from the original cash flows, the loan is not considered to be substantially modified. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Where terms are substantially different, the existing loan will be derecognised and a new loan will be recognised at fair value, with any difference in valuation recognised immediately within the income statement, subject to observability criteria.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Where terms are not substantially different, the loan carrying value will be adjusted to reflect the present value of modified cash flows discounted at the original EIR, with any resulting gain or loss recognised immediately within the income statement as a modification gain or loss. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Note 1 sets out details for changes in the basis of determining the contractual cash flows of a financial instrument that are required by interest rate benchmark reform.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Expected life</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Lifetime ECLs must be measured over the expected life. This is restricted to the maximum contractual life and takes into account expected prepayment, extension, call and similar options. The exceptions are certain revolving financial instruments, such as credit cards and bank overdrafts, that include both a drawn and an undrawn component where the entity’s contractual ability to demand repayment and cancel the undrawn commitment does not limit the entity’s exposure to credit losses to the contractual notice period. For revolving facilities, expected life is analytically derived to reflect the behavioural life of the asset, i.e. the full period over which the business expects to be exposed to credit risk. Behavioural life is typically based upon historical analysis of the average time to default, closure or withdrawal of facility. Where data is insufficient or analysis inconclusive, an additional ‘maturity factor’ may be incorporated to reflect the full estimated life of the exposures, based upon experienced judgement and/or peer analysis. Potential future modifications of contracts are not taken into account when determining the expected life or EAD until they occur.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Discounting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ECLs are discounted at the EIR at initial recognition or an approximation thereof and consistent with income recognition. For loan commitments the EIR is the rate that is expected to apply when the loan is drawn down and a financial asset is recognised. Issued financial guarantee contracts are discounted at the risk free rate. Lease receivables are discounted at the rate implicit in the lease. For variable/floating rate financial assets, the spot rate at the reporting date is used and projections of changes in the variable rate over the expected life are not made to estimate future interest cash flows or for discounting.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Modelling techniques</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The regulatory Basel Committee of Banking Supervisors (BCBS) ECL calculations are leveraged for IFRS 9 modelling but adjusted for key differences which include:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">BCBS requires 12 month through the economic cycle losses whereas IFRS 9 requires 12 months or lifetime point in time losses based on conditions at the reporting date and multiple forecasts of the future economic conditions over the expected lives;</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">IFRS 9 models do not include certain conservative BCBS model floors and downturn assessments and require discounting to the reporting date at the original EIR rather than using the cost of capital to the date of default;</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Management adjustments are made to modelled output to account for situations where known or expected risk factors and information have not been considered in the modelling process, for example forecast economic scenarios for uncertain political events; and</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">ECL is measured at the individual financial instrument level, however a collective approach where financial instruments with similar risk characteristics are grouped together, with apportionment to individual financial instruments, is used where effects can only be seen at a collective level, for example for forward-looking information.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For the IFRS 9 impairment assessment, the Group’s risk models are used to determine the PD, LGD and EAD. For Stage 2 and 3, the Group applies lifetime PDs but uses 12 month PDs for Stage 1. The ECL drivers of PD, EAD and LGD are modelled at an account level which considers vintage, among other credit factors. Also, the assessment of significant increase in credit risk is based on the initial lifetime PD curve, which accounts for the different credit risk underwritten over time.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Forbearance</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A financial asset is subject to forbearance when it is modified due to the credit distress of the borrower. A modification made to the terms of an asset due to forbearance will typically be assessed as a non-substantial modification that does not result in derecognition of the original loan, except in circumstances where debt is exchanged for equity. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Both performing and non-performing forbearance assets are classified as Stage 3 except where it is established that the concession granted has not resulted in diminished financial obligation and that no other regulatory definition of default criteria have been triggered, in which case the asset is classified as Stage 2. The minimum probationary period for non-performing forbearance is 12 months and for performing forbearance, 24 months. Hence, a minimum of 36 months is required for non-performing forbearance to move out of a forborne state.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">No financial instrument in forbearance can transfer back to Stage 1 until all of the Stage 2 thresholds are no longer met and can only move out of Stage 3 when no longer credit impaired.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IFRS 9 impairment involves several important areas of judgement, including estimating forward-looking modelled parameters (PD, LGD and EAD), developing a range of unbiased future economic scenarios, estimating expected lives and assessing significant increases in credit risk, based on the Group’s experience of managing credit risk. The determination of expected life is most material for Barclays' credit card portfolios which is obtained via behavioural life analysis to materially capture the risk of these facilities. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%">Within the retail and small businesses portfolios, which comprise large numbers of small homogenous assets with similar risk characteristics where credit scoring techniques are generally used, the impairment allowance is calculated using forward-looking modelled parameters which are typically run at account level. There are many models in use, each tailored to a product, line of business or customer category. Judgement and knowledge is needed in selecting the statistical methods to use when the models are developed or revised. Management adjustments to impairment models, which contain an element of subjectivity, are applied in order to factor in certain conditions or changes in policy that are not fully incorporated into the impairment models, or to reflect additional facts and circumstances at the period end. Management adjustments are reviewed and incorporated into future model development where appropriate. The impairment charge reflected in the income statement for retail portfolios is £976m (2021: £289m release; 2020: £3,116m charge) of the total impairment charge on loans and advances and off-balance sheet loan commitments and financial guarantee contracts.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%">For individually significant assets in Stage 3, impairment allowances are calculated on an individual basis and all relevant considerations that have a bearing on the expected future cash flows across a range of economic scenarios are taken into account. These considerations can be particularly subjective and can include the business prospects for the customer, the realisable value of collateral, the Group’s position relative to other claimants, the reliability of customer information and the likely cost and duration of the work-out process. The level of the impairment allowance is the difference between the value of the discounted expected future cash flows (discounted at the loan’s original effective interest rate), and its carrying amount. Furthermore, judgements change with time as new information becomes available or as work-out strategies evolve, resulting in frequent revisions to the impairment allowance as individual decisions are taken. Changes in these estimates would result in a change in the allowances and have a direct impact on the impairment charge. The impairment charge reflected in the financial statements in relation to wholesale portfolios is £207m (2021: £346m release; 2020: £1,569m charge) of the total impairment charge on loans and advances and off-balance sheet loan commitments and financial guarantee contracts. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%">Further information on impairment allowances, impairment charges, management adjustments to models for impairment, measurement uncertainty, sensitivity analysis and related credit information is set out within the Credit risk performance section. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%">Temporary adjustments to calculated IFRS9 impairment allowances may be applied in limited circumstances to account for situations where known or expected risk factors or information have not been considered in the ECL assessment or modelling process. For further information please see page <a href="#i71905e25e6934d519e4c69feac849fcb_727" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;letter-spacing:-0.025em;line-height:120%;text-decoration:none">237</a> in the Credit risk performance section.</span></div>Information about the potential impact of the physical and transition risks of climate change on borrowers is considered, taking into account reasonable and supportable information to make accounting judgements and estimates. Climate change is inherently of a long-term nature, with significant levels of uncertainty, and consequently requires judgement in determining the possible impact in the next financial year, if any. | |
| CY2022Q4 | bcs |
Total Number Of Economic Scenarios To Calculate Ecl As A Percentage
TotalNumberOfEconomicScenariosToCalculateECLAsAPercentage
|
1 | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Financial Guarantees Explanatory
DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory
|
The Group may enter into a financial guarantee contract which requires the issuer of such contract to reimburse the Group for a loss it incurs because a specified debtor fails to make payment when due in accordance with the terms of a debt instrument. For these separate financial guarantee contracts, the Group recognises a reimbursement asset aligned with the recognition of the underlying ECLs, if it is considered virtually certain that a reimbursement would be received if the specified debtor fails to make payment when due in accordance with the terms of the debt instrument. | |
| CY2022 | ifrs-full |
Disclosure Of Impairment Loss And Reversal Of Impairment Loss Explanatory
DisclosureOfImpairmentLossAndReversalOfImpairmentLossExplanatory
|
<div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.203%"><tr><td style="width:1.0%"/><td style="width:22.996%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.333%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.340%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment Charges/(Releases)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Recoveries and reimburse-ments</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment Charges/(Releases)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Recoveries and reimburse-ments</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Impairment Charges/(Releases)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Recoveries and reimburse-ments</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,428 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(263)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,165 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(361)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(121)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,308 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(399)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,909 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet loan<br/>commitments and financial<br/>guarantee contracts</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(514)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(514)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,446 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(263)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,183 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(875)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(635)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,084 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(399)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,685 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlement balances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial instruments at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets measured at cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit impairment charges/(releases)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,483 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(263)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(893)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(653)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,237 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(399)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,838 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Recoveries and reimbursements includes a net increase in amounts recoverable from financial guarantee contracts held with third parties of £199m (2021: £(306)m) and cash recoveries of previously written off amounts of £64m (2021: £66m).</span></div> | |
| CY2022 | ifrs-full |
Impairment Loss On Financial Assets
ImpairmentLossOnFinancialAssets
|
1483000000 | gbp |
| CY2022 | ifrs-full |
Reversal Allowance Account For Credit Losses Of Financial Assets
ReversalAllowanceAccountForCreditLossesOfFinancialAssets
|
263000000 | gbp |
| CY2022 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
1220000000 | gbp |
| CY2021 | ifrs-full |
Impairment Loss On Financial Assets
ImpairmentLossOnFinancialAssets
|
-893000000 | gbp |
| CY2021 | ifrs-full |
Reversal Allowance Account For Credit Losses Of Financial Assets
ReversalAllowanceAccountForCreditLossesOfFinancialAssets
|
-240000000 | gbp |
| CY2021 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
-653000000 | gbp |
| CY2020 | ifrs-full |
Impairment Loss On Financial Assets
ImpairmentLossOnFinancialAssets
|
5237000000 | gbp |
| CY2020 | ifrs-full |
Reversal Allowance Account For Credit Losses Of Financial Assets
ReversalAllowanceAccountForCreditLossesOfFinancialAssets
|
399000000 | gbp |
| CY2020 | ifrs-full |
Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
|
4838000000 | gbp |
| CY2022 | ifrs-full |
Gain On Recovery Of Loans And Advances Previously Written Off
GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff
|
64000000 | gbp |
| CY2021 | ifrs-full |
Gain On Recovery Of Loans And Advances Previously Written Off
GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff
|
66000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Assets Written Off During Reporting Period And Still Subject To Enforcement Activity Contractual Amount Outstanding
FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding
|
949000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets Written Off During Reporting Period And Still Subject To Enforcement Activity Contractual Amount Outstanding
FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding
|
1190000000 | gbp |
| CY2022 | ifrs-full |
Financial Assets With Contractual Cash Flows Modified During Reporting Period While Loss Allowance Measured At Lifetime Expected Credit Losses Amortised Cost Before Modification
FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification
|
2412000000 | gbp |
| CY2021 | ifrs-full |
Financial Assets With Contractual Cash Flows Modified During Reporting Period While Loss Allowance Measured At Lifetime Expected Credit Losses Amortised Cost Before Modification
FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification
|
3446000000 | gbp |
| CY2022 | ifrs-full |
Financial Assets With Contractual Cash Flows Modified During Reporting Period While Loss Allowance Measured At Lifetime Expected Credit Losses Modification Gain Loss
FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesModificationGainLoss
|
-4000000 | gbp |
| CY2021 | ifrs-full |
Financial Assets With Contractual Cash Flows Modified During Reporting Period While Loss Allowance Measured At Lifetime Expected Credit Losses Modification Gain Loss
FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesModificationGainLoss
|
-11000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Assets With Modified Contractual Cash Flows While Loss Allowance Measured At Lifetime Expected Credit Losses For Which Loss Allowance Changed During Reporting Period To12month Expected Credit Losses Gross Carrying Amount
FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount
|
1077000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets With Modified Contractual Cash Flows While Loss Allowance Measured At Lifetime Expected Credit Losses For Which Loss Allowance Changed During Reporting Period To12month Expected Credit Losses Gross Carrying Amount
FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount
|
419000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Income Tax Explanatory
DisclosureOfIncomeTaxExplanatory
|
Tax<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for income taxes</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 12</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%"> Income Taxes</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> in accounting for taxes on income. Income tax payable on taxable profits (current tax) is recognised as an expense in the periods in which the profits arise. Withholding taxes are also treated as income taxes. Income tax recoverable on tax allowable losses is recognised as a current tax asset only to the extent that it is regarded as recoverable by offsetting against taxable profits arising in the current or prior periods. Current tax is measured using tax rates and tax laws that have been enacted or substantively enacted at the balance sheet date.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deferred tax assets are recognised to the extent that it is probable that taxable profit will be available against which the deductible temporary differences, and the carry forward of unused tax credits and unused tax losses can be utilised. Deferred tax liabilities are recognised for all taxable temporary differences except for the initial recognition of goodwill. Deferred tax is not recognised where the temporary difference arises from the initial recognition of an asset or liability in a transaction that is not a business combination and, at the time of the transaction, affects neither the accounting profit nor taxable profit or loss. Deferred tax is determined using tax rates and legislation enacted or substantively enacted by the balance sheet date which are expected to apply when the deferred tax asset is realised or the deferred tax liability is settled. Deferred tax assets and liabilities are only offset when there is both a legal right to set-off and an intention to settle on a net basis. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group considers an uncertain tax position to exist when it considers that ultimately, in the future, the amount of profit subject to tax may be greater than the amount initially reflected in the Group’s tax returns. The Group accounts for provisions in respect of uncertain tax positions in two different ways. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A current tax provision is recognised when it is considered probable that the outcome of a review by a tax authority of an uncertain tax position will alter the amount of cash tax due to, or from, a tax authority in the future. From recognition, the current tax provision is then measured at the amount the Group ultimately expects to pay the tax authority to resolve the position. The accrual of interest and penalty amounts in respect of uncertain income tax positions is recognised as an expense within profit before tax.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deferred tax provisions are adjustments made to the carrying value of deferred tax assets in respect of uncertain tax positions. A deferred tax provision is recognised when it is considered probable that the outcome of a review by a tax authority of an uncertain tax position will result in a reduction in the carrying value of the deferred tax asset. From recognition of a provision, measurement of the underlying deferred tax asset is adjusted to take into account the expected impact of resolving the uncertain tax position on the loss or temporary difference giving rise to the deferred tax asset. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The approach taken to measurement takes account of whether the uncertain tax position is a discrete position that will be reviewed by the tax authority in isolation from any other position, or one of a number of issues which are expected to be reviewed together </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">concurrently and resolved simultaneously with a tax authority. The Group’s measurement of provisions is based upon its best estimate of the additional profit that will become subject to tax. For a discrete position, consideration is given only to the merits of that position. Where a number of issues are expected to be reviewed and resolved together, the Group will take into account not only the merits of its position in respect of each particular issue but also the overall level of provision relative to the aggregate of the uncertain tax positions across all the issues that are expected to be resolved at the same time. In addition, in assessing provision levels, it is assumed that tax authorities will review uncertain tax positions and that all facts will be fully and transparently disclosed. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i107fac6a36b24337b07287af799887bd_14183"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There are two key areas of judgement that impact the reported tax position. Firstly, the level of provisioning for uncertain tax positions; and secondly, the recognition and measurement of deferred tax assets. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group does not consider there to be a significant risk of a material adjustment to the carrying amount of current and deferred tax balances, including provisions for uncertain tax positions in the next financial year. The provisions for uncertain tax positions cover a diverse range of issues and reflect advice from external counsel where relevant. It should be noted that only a proportion of the total uncertain tax positions will be under audit at any point in time, and could therefore be subject to challenge by a tax authority over the next year. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deferred tax assets have been recognised based on business profit forecasts. Details on the recognition of deferred tax assets are provided in this note.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax charge/(credit)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,045 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,417 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(444)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">601 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,734 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,286 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax charge/(credit)</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">235 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(352)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(830)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">203 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(244)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">438 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(596)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(682)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax charge</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,039 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,138 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">604 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2022 the adjustments in respect of prior years are principally a result of various steps taken in the US and UK tax groups that have affected the timing of the tax deductibility of expenditure related to fixed assets. Across the Barclays Bank PLC’s US Branch Tax Group and US Intermediate Holding Company Tax Group ('IHC Tax Group'), elections have been made in 2022 to advance tax deductions in relation to fixed assets that would otherwise have arisen in later periods. Those elections resulted in a current tax credit in respect of prior years of £556m and a deferred tax charge in respect of prior years of a similar amount. In the UK Tax Group various tax claims and elections will have the effect of deferring the timing of deductions related to plant and machinery and this has resulted in a current tax charge in respect of prior years of £167m and a deferred tax credit in respect of prior years of 213m.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below shows the reconciliation between the actual tax charge and the tax charge that would result from applying the standard UK corporation tax rate to the Group’s profit before tax.</span></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:49.269%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.176%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit before tax</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,012 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,194 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,065 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax charge based on the standard UK corporation tax rate of 19% (2021: 19%; 2020: 19% )</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,332 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,557 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.0 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">582 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.0 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impact of profits/losses earned in territories with different statutory rates to the UK (weighted average tax rate is 21.4% (2021: 22.4%; 2020: 25.1% ))</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">277 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recurring items:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-creditable taxes including withholding taxes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking surcharge</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and other items</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-deductible expenses</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impact of UK bank levy being non-deductible</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impact of Barclays Bank PLC's overseas branches being taxed both locally and in the UK</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax adjustments in respect of share-based payments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-taxable gains and income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(135)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(198)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(185)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in recognition of deferred tax and effect of unrecognised tax losses</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(146)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(140)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.7 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax relief on payments made under AT1 instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(172)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(149)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(165)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(241)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax relief on holdings of inflation-linked government bonds</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(556)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(169)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-recurring items:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurement of UK deferred tax assets due to tax rate changes</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">346 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(462)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(118)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-deductible provisions for investigations and litigation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-deductible provisions for UK customer redress</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%)</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total tax charge</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,039 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.8 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,138 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.9 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">604 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.7 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:1pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Banking surcharge includes the impact of the 8% UK banking surcharge rate on profits/losses and tax adjustments relating to UK banking entities.</span></div><div style="margin-bottom:3pt;margin-top:6pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Factors driving the effective tax rate</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The effective tax rate of 14.8% is lower than the UK corporation tax rate of 19% primarily due to tax relief on holdings of inflation-linked government bonds, beneficial prior year adjustments, tax relief on payments made under AT1 instruments and the utilisation of unrecognised tax losses in the period. These factors, which have each decreased the effective tax rate, are partially offset by adjustments for the remeasurement of UK deferred tax assets as a result of the enactment during 2022 of a reduction in the banking surcharge rate to 3% from 1 April 2023 and profits earned outside the UK being taxed at local statutory tax rates that are higher than the UK tax rate.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s future tax charge will be sensitive to the geographic mix of profits earned, the tax rates in force and changes to the tax rules in the jurisdictions that the Group operates in.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In its Autumn Statement held in November 2022, the UK Government confirmed that, as currently enacted, the banking surcharge rate will be reduced from 8% to 3% from 1 April 2023. UK deferred tax assets as at 31 December 2022 are measured at this rate, having been remeasured when the 3% rate was substantively enacted in 2022. The statutory tax rate applicable to banks' UK profits will therefore be 28% (comprising a rate of 25% for corporation tax and of 3% for banking surcharge) from 1 April 2023.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The OECD and G20 Inclusive Framework on Base Erosion and Profit Shifting announced plans to introduce a global minimum tax rate of 15% and the OECD issued model rules in 2021. During 2022 further OECD guidance has been released and draft legislation to implement the global minimum tax regime has been published by the UK Government. The UK Government has stated that it intends to enact legislation in 2023 to apply for accounting periods beginning on or after 31 December 2023. The Group has reviewed the published OECD model rules and further guidance along with the draft UK legislation and has been assessing the expected impact ahead of the implementation of the new regime. The Group will review further guidance as well as new legislation expected to be released by governments implementing this new tax regime and continue to assess the potential impact.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In the USA, the Inflation Reduction Act was enacted in August 2022. The Act does not include changes to the US corporate income tax rate or to US international tax provisions included in the previously proposed Build Back Better Act but does introduce a corporate alternative minimum tax on adjusted financial statements income, effective from 1 January 2023. Further regulations and guidance are expected to be published in 2023, however the Group’s preliminary view is that the alternative minimum tax is not expected to materially increase the Group’s effective tax rate. The Group will review future guidance when it is published and continue to monitor other legislative developments and assess the potential impact.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Tax in the consolidated statement of comprehensive income</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The tax relating to each component of other comprehensive income can be found in the consolidated statement of comprehensive income . The total amount recognised in relation to the remeasurement of UK deferred tax through other comprehensive income was a £28m charge (2021: £111m).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Tax included directly in equity</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Tax included directly in equity comprises a £1m credit (2021: £58m) relating to share-based payments and deductible costs on issuing other equity instruments.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Deferred tax assets and liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The deferred tax amounts on the balance sheet were as follows:</span></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.776%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.963%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Tax Group</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,925 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,183 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IHC Tax Group</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,094 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,004 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank PLC's US Branch Tax Group</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">482 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,002 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other (outside the UK and US tax groups)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">490 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax asset</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,991 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,619 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax liability</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(37)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net deferred tax</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,975 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,582 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">US deferred tax assets in the IHC and US Branch Tax Groups</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The deferred tax asset in the IHC Tax Group of £1,094m (2021: £1,004m) includes £21m (2021: £1m) relating to tax losses, with the balance relating to temporary differences. The deferred tax asset in Barclays Bank PLC’s US Branch Tax Group of £482m (2021: £1,002m) relates entirely to temporary differences. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In relation to the IHC Tax Group, these temporary differences include £434m (2021: £301m) arising from New York State and City prior net operating loss conversion which can be carried forward and will expire in 2034. Business profit forecasts indicate these amounts will be fully recovered before expiry.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">UK Tax Group deferred tax asset</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The deferred tax asset in the UK Tax Group of £4,925m (2021: £2,183m) includes £1,535m (2021: £1,098m) relating to tax losses, with the balance relating to temporary differences. There is no time limit on utilisation of UK tax losses and business profit forecasts indicate that these losses will be fully recovered.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other deferred tax assets (outside the UK and US tax groups)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The deferred tax asset of £490m (2021: £430m) in other entities within the Group includes £90m (2021: £121m) relating to tax losses. These deferred tax assets relate to a number of different territories and their recognition is based on profit forecasts or local country law which indicate that it is probable that those deferred tax assets will be fully recovered.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Of the deferred tax asset of £490m (2021: £430m), an amount of £33m (2021: £9m) relates to entities which have suffered a loss in either the current or prior year and for which the utilisation of the deferred tax is dependent on future taxable profits. This has been taken into account in reaching the above conclusion that these deferred tax assets will be fully recovered in the future. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below shows movements on deferred tax assets and liabilities during the year. The amounts are different from those disclosed on the balance sheet and in the preceding table as they are presented before offsetting asset and liability balances where there is a legal right to set-off and an intention to settle on a net basis.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:15.024%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.219%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.331%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.627%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.039%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fixed asset timing differences</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Retirement benefit obligations</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan impairment allowance</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Own credit</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Share-based payments and deferred compensation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other temporary differences</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Tax losses carried forward</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,647 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,248 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,364 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,674)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,782)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,605 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,634)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,182 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,582 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(458)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(400)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(438)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other comprehensive income and reserves</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">523 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,354 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">357 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(616)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,601 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">230 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,219 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">675 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,875 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,275)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">702 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(190)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">890 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,646 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,975 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,296 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">675 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,875 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">702 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,280 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,646 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,947 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(77)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,315)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(190)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(390)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,972)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #bcbec0;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,219 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">675 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,875 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,275)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">702 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(190)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">890 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,646 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,975 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,465 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">666 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">329 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,378 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,979 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(566)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(826)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,550)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,424 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(566)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(783)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">666 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">329 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,299 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">735 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,429 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">485 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other comprehensive income and reserves</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,088 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(855)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">564 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,605 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,634)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,182 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,582 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,647 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,248 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,364 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,674)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,782)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,605 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,634)</span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,182 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,582 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other movements include the impact of changes in foreign exchange rates as well as deferred tax amounts relating to acquisitions and disposals. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The amount of deferred tax assets expected to be recovered after more than 12 months is £8,155m (2021: £5,886m). The amount of deferred tax liability expected to be settled after more than 12 months is £1,864m (2021: £1,778m). These amounts are before offsetting asset and liability balances where there is a legal right to set-off and an intention to settle on a net basis. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Unrecognised deferred tax</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Tax losses and temporary differences</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deferred tax assets have not been recognised in respect of gross deductible temporary differences of £111m (2021: £110m), unused tax credits of £323m (2021: £283m), and gross tax losses of £22,537m (2021: £22,835m). The tax losses include capital losses of £3,935m (2021: £3,981m). Of these tax losses, £149m (2021: £63m) expire within five years, £401m (2021: £370m) expire within six to ten years, £10,393m (2021: £10,529m) expire within 11 to 20 years and £11,594m (2021: £11,873m) can be carried forward indefinitely. Deferred tax assets have not been recognised in respect of these items because it is not probable that future taxable profits and gains will be available against which they can be utilised. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Group investments in subsidiaries, branches and associates</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deferred tax is not recognised in respect of the value of the Group's investments in subsidiaries, branches and associates where the Group is able to control the timing of the reversal of the temporary differences and it is probable that such differences will not reverse in the foreseeable future. The aggregate amount of these temporary differences for which deferred tax liabilities have not been recognised was £852m (2021: £858m).</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Income Tax Explanatory
DescriptionOfAccountingPolicyForIncomeTaxExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for income taxes</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 12</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%"> Income Taxes</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> in accounting for taxes on income. Income tax payable on taxable profits (current tax) is recognised as an expense in the periods in which the profits arise. Withholding taxes are also treated as income taxes. Income tax recoverable on tax allowable losses is recognised as a current tax asset only to the extent that it is regarded as recoverable by offsetting against taxable profits arising in the current or prior periods. Current tax is measured using tax rates and tax laws that have been enacted or substantively enacted at the balance sheet date.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deferred tax assets are recognised to the extent that it is probable that taxable profit will be available against which the deductible temporary differences, and the carry forward of unused tax credits and unused tax losses can be utilised. Deferred tax liabilities are recognised for all taxable temporary differences except for the initial recognition of goodwill. Deferred tax is not recognised where the temporary difference arises from the initial recognition of an asset or liability in a transaction that is not a business combination and, at the time of the transaction, affects neither the accounting profit nor taxable profit or loss. Deferred tax is determined using tax rates and legislation enacted or substantively enacted by the balance sheet date which are expected to apply when the deferred tax asset is realised or the deferred tax liability is settled. Deferred tax assets and liabilities are only offset when there is both a legal right to set-off and an intention to settle on a net basis. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group considers an uncertain tax position to exist when it considers that ultimately, in the future, the amount of profit subject to tax may be greater than the amount initially reflected in the Group’s tax returns. The Group accounts for provisions in respect of uncertain tax positions in two different ways. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A current tax provision is recognised when it is considered probable that the outcome of a review by a tax authority of an uncertain tax position will alter the amount of cash tax due to, or from, a tax authority in the future. From recognition, the current tax provision is then measured at the amount the Group ultimately expects to pay the tax authority to resolve the position. The accrual of interest and penalty amounts in respect of uncertain income tax positions is recognised as an expense within profit before tax.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deferred tax provisions are adjustments made to the carrying value of deferred tax assets in respect of uncertain tax positions. A deferred tax provision is recognised when it is considered probable that the outcome of a review by a tax authority of an uncertain tax position will result in a reduction in the carrying value of the deferred tax asset. From recognition of a provision, measurement of the underlying deferred tax asset is adjusted to take into account the expected impact of resolving the uncertain tax position on the loss or temporary difference giving rise to the deferred tax asset. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The approach taken to measurement takes account of whether the uncertain tax position is a discrete position that will be reviewed by the tax authority in isolation from any other position, or one of a number of issues which are expected to be reviewed together </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">concurrently and resolved simultaneously with a tax authority. The Group’s measurement of provisions is based upon its best estimate of the additional profit that will become subject to tax. For a discrete position, consideration is given only to the merits of that position. Where a number of issues are expected to be reviewed and resolved together, the Group will take into account not only the merits of its position in respect of each particular issue but also the overall level of provision relative to the aggregate of the uncertain tax positions across all the issues that are expected to be resolved at the same time. In addition, in assessing provision levels, it is assumed that tax authorities will review uncertain tax positions and that all facts will be fully and transparently disclosed. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i107fac6a36b24337b07287af799887bd_14183"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There are two key areas of judgement that impact the reported tax position. Firstly, the level of provisioning for uncertain tax positions; and secondly, the recognition and measurement of deferred tax assets. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group does not consider there to be a significant risk of a material adjustment to the carrying amount of current and deferred tax balances, including provisions for uncertain tax positions in the next financial year. The provisions for uncertain tax positions cover a diverse range of issues and reflect advice from external counsel where relevant. It should be noted that only a proportion of the total uncertain tax positions will be under audit at any point in time, and could therefore be subject to challenge by a tax authority over the next year. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deferred tax assets have been recognised based on business profit forecasts. Details on the recognition of deferred tax assets are provided in this note.</span></div> | |
| CY2022 | ifrs-full |
Current Tax Expense Income
CurrentTaxExpenseIncome
|
1045000000 | gbp |
| CY2021 | ifrs-full |
Current Tax Expense Income
CurrentTaxExpenseIncome
|
1417000000 | gbp |
| CY2020 | ifrs-full |
Current Tax Expense Income
CurrentTaxExpenseIncome
|
1255000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Current Tax Of Prior Period
AdjustmentsForCurrentTaxOfPriorPeriod
|
-444000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Current Tax Of Prior Period
AdjustmentsForCurrentTaxOfPriorPeriod
|
317000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Current Tax Of Prior Period
AdjustmentsForCurrentTaxOfPriorPeriod
|
31000000 | gbp |
| CY2022 | ifrs-full |
Current Tax Expense Income And Adjustments For Current Tax Of Prior Periods
CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods
|
601000000 | gbp |
| CY2021 | ifrs-full |
Current Tax Expense Income And Adjustments For Current Tax Of Prior Periods
CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods
|
1734000000 | gbp |
| CY2020 | ifrs-full |
Current Tax Expense Income And Adjustments For Current Tax Of Prior Periods
CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods
|
1286000000 | gbp |
| CY2022 | ifrs-full |
Deferred Tax Expense Income
DeferredTaxExpenseIncome
|
235000000 | gbp |
| CY2021 | ifrs-full |
Deferred Tax Expense Income
DeferredTaxExpenseIncome
|
-352000000 | gbp |
| CY2020 | ifrs-full |
Deferred Tax Expense Income
DeferredTaxExpenseIncome
|
-830000000 | gbp |
| CY2022 | ifrs-full |
Adjustments For Deferred Tax Of Prior Periods
AdjustmentsForDeferredTaxOfPriorPeriods
|
203000000 | gbp |
| CY2021 | ifrs-full |
Adjustments For Deferred Tax Of Prior Periods
AdjustmentsForDeferredTaxOfPriorPeriods
|
-244000000 | gbp |
| CY2020 | ifrs-full |
Adjustments For Deferred Tax Of Prior Periods
AdjustmentsForDeferredTaxOfPriorPeriods
|
148000000 | gbp |
| CY2022 | ifrs-full |
Deferred Tax Expense Income Recognised In Profit Or Loss
DeferredTaxExpenseIncomeRecognisedInProfitOrLoss
|
438000000 | gbp |
| CY2021 | ifrs-full |
Deferred Tax Expense Income Recognised In Profit Or Loss
DeferredTaxExpenseIncomeRecognisedInProfitOrLoss
|
-596000000 | gbp |
| CY2020 | ifrs-full |
Deferred Tax Expense Income Recognised In Profit Or Loss
DeferredTaxExpenseIncomeRecognisedInProfitOrLoss
|
-682000000 | gbp |
| CY2022 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
1039000000 | gbp |
| CY2021 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
1138000000 | gbp |
| CY2020 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
604000000 | gbp |
| CY2022 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
7012000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
8194000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss Before Tax
ProfitLossBeforeTax
|
3065000000 | gbp |
| CY2022 | ifrs-full |
Applicable Tax Rate
ApplicableTaxRate
|
0.19 | |
| CY2021 | ifrs-full |
Applicable Tax Rate
ApplicableTaxRate
|
0.19 | |
| CY2020 | ifrs-full |
Applicable Tax Rate
ApplicableTaxRate
|
0.19 | |
| CY2022 | ifrs-full |
Tax Expense Income At Applicable Tax Rate
TaxExpenseIncomeAtApplicableTaxRate
|
1332000000 | gbp |
| CY2022 | ifrs-full |
Applicable Tax Rate
ApplicableTaxRate
|
0.190 | |
| CY2021 | ifrs-full |
Tax Expense Income At Applicable Tax Rate
TaxExpenseIncomeAtApplicableTaxRate
|
1557000000 | gbp |
| CY2021 | ifrs-full |
Applicable Tax Rate
ApplicableTaxRate
|
0.190 | |
| CY2020 | ifrs-full |
Tax Expense Income At Applicable Tax Rate
TaxExpenseIncomeAtApplicableTaxRate
|
582000000 | gbp |
| CY2020 | ifrs-full |
Applicable Tax Rate
ApplicableTaxRate
|
0.190 | |
| CY2022 | ifrs-full |
Tax Effect Of Foreign Tax Rates
TaxEffectOfForeignTaxRates
|
167000000 | gbp |
| CY2022 | ifrs-full |
Tax Rate Effect Of Foreign Tax Rates
TaxRateEffectOfForeignTaxRates
|
0.024 | |
| CY2021 | ifrs-full |
Tax Effect Of Foreign Tax Rates
TaxEffectOfForeignTaxRates
|
277000000 | gbp |
| CY2021 | ifrs-full |
Tax Rate Effect Of Foreign Tax Rates
TaxRateEffectOfForeignTaxRates
|
0.034 | |
| CY2020 | ifrs-full |
Tax Effect Of Foreign Tax Rates
TaxEffectOfForeignTaxRates
|
188000000 | gbp |
| CY2020 | ifrs-full |
Tax Rate Effect Of Foreign Tax Rates
TaxRateEffectOfForeignTaxRates
|
0.061 | |
| CY2022 | bcs |
Tax Effect Of Non Creditable Taxes Including Witholding Taxes
TaxEffectOfNonCreditableTaxesIncludingWitholdingTaxes
|
126000000 | gbp |
| CY2022 | bcs |
Tax Rate Effect Of Non Creditable Taxes Including Witholding Taxes
TaxRateEffectOfNonCreditableTaxesIncludingWitholdingTaxes
|
0.018 | |
| CY2021 | bcs |
Tax Effect Of Non Creditable Taxes Including Witholding Taxes
TaxEffectOfNonCreditableTaxesIncludingWitholdingTaxes
|
134000000 | gbp |
| CY2021 | bcs |
Tax Rate Effect Of Non Creditable Taxes Including Witholding Taxes
TaxRateEffectOfNonCreditableTaxesIncludingWitholdingTaxes
|
0.016 | |
| CY2020 | bcs |
Tax Effect Of Non Creditable Taxes Including Witholding Taxes
TaxEffectOfNonCreditableTaxesIncludingWitholdingTaxes
|
109000000 | gbp |
| CY2020 | bcs |
Tax Rate Effect Of Non Creditable Taxes Including Witholding Taxes
TaxRateEffectOfNonCreditableTaxesIncludingWitholdingTaxes
|
0.035 | |
| CY2022 | ifrs-full |
Other Tax Effects For Reconciliation Between Accounting Profit And Tax Expense Income
OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome
|
101000000 | gbp |
| CY2022 | ifrs-full |
Other Tax Rate Effects For Reconciliation Between Accounting Profit And Tax Expense Income
OtherTaxRateEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome
|
0.014 | |
| CY2021 | ifrs-full |
Other Tax Effects For Reconciliation Between Accounting Profit And Tax Expense Income
OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome
|
83000000 | gbp |
| CY2021 | ifrs-full |
Other Tax Rate Effects For Reconciliation Between Accounting Profit And Tax Expense Income
OtherTaxRateEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome
|
0.010 | |
| CY2020 | ifrs-full |
Other Tax Effects For Reconciliation Between Accounting Profit And Tax Expense Income
OtherTaxEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome
|
6000000 | gbp |
| CY2020 | ifrs-full |
Other Tax Rate Effects For Reconciliation Between Accounting Profit And Tax Expense Income
OtherTaxRateEffectsForReconciliationBetweenAccountingProfitAndTaxExpenseIncome
|
0.002 | |
| CY2022 | ifrs-full |
Tax Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss
TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss
|
51000000 | gbp |
| CY2022 | ifrs-full |
Tax Rate Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss
TaxRateEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss
|
0.007 | |
| CY2021 | ifrs-full |
Tax Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss
TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss
|
80000000 | gbp |
| CY2021 | ifrs-full |
Tax Rate Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss
TaxRateEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss
|
0.010 | |
| CY2020 | ifrs-full |
Tax Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss
TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss
|
48000000 | gbp |
| CY2020 | ifrs-full |
Tax Rate Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss
TaxRateEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss
|
0.016 | |
| CY2022 | bcs |
Tax Effect Of Uk Bank Levy Being Non Deductible
TaxEffectOfUkBankLevyBeingNonDeductible
|
33000000 | gbp |
| CY2022 | bcs |
Tax Rate Effect Of Uk Bank Levy Being Non Deductible
TaxRateEffectOfUkBankLevyBeingNonDeductible
|
0.005 | |
| CY2021 | bcs |
Tax Effect Of Uk Bank Levy Being Non Deductible
TaxEffectOfUkBankLevyBeingNonDeductible
|
32000000 | gbp |
| CY2021 | bcs |
Tax Rate Effect Of Uk Bank Levy Being Non Deductible
TaxRateEffectOfUkBankLevyBeingNonDeductible
|
0.004 | |
| CY2020 | bcs |
Tax Effect Of Uk Bank Levy Being Non Deductible
TaxEffectOfUkBankLevyBeingNonDeductible
|
57000000 | gbp |
| CY2020 | bcs |
Tax Rate Effect Of Uk Bank Levy Being Non Deductible
TaxRateEffectOfUkBankLevyBeingNonDeductible
|
0.019 | |
| CY2022 | bcs |
Tax Effect Of Overseas Branches Being Taxed Both Locally And I Uk
TaxEffectOfOverseasBranchesBeingTaxedBothLocallyAndIUk
|
-17000000 | gbp |
| CY2022 | bcs |
Tax Rate Effect Of Overseas Branches Being Taxed Both Locally And Uk
TaxRateEffectOfOverseasBranchesBeingTaxedBothLocallyAndUk
|
-0.002 | |
| CY2021 | bcs |
Tax Effect Of Overseas Branches Being Taxed Both Locally And I Uk
TaxEffectOfOverseasBranchesBeingTaxedBothLocallyAndIUk
|
-25000000 | gbp |
| CY2021 | bcs |
Tax Rate Effect Of Overseas Branches Being Taxed Both Locally And Uk
TaxRateEffectOfOverseasBranchesBeingTaxedBothLocallyAndUk
|
-0.003 | |
| CY2020 | bcs |
Tax Effect Of Overseas Branches Being Taxed Both Locally And I Uk
TaxEffectOfOverseasBranchesBeingTaxedBothLocallyAndIUk
|
-25000000 | gbp |
| CY2020 | bcs |
Tax Rate Effect Of Overseas Branches Being Taxed Both Locally And Uk
TaxRateEffectOfOverseasBranchesBeingTaxedBothLocallyAndUk
|
-0.008 | |
| CY2022 | bcs |
Tax Adjustments For Sharebased Payments
TaxAdjustmentsForSharebasedPayments
|
13000000 | gbp |
| CY2022 | bcs |
Tax Rate Effect Of Adjustments For Sharebased Payments
TaxRateEffectOfAdjustmentsForSharebasedPayments
|
0.002 | |
| CY2021 | bcs |
Tax Adjustments For Sharebased Payments
TaxAdjustmentsForSharebasedPayments
|
-5000000 | gbp |
| CY2021 | bcs |
Tax Rate Effect Of Adjustments For Sharebased Payments
TaxRateEffectOfAdjustmentsForSharebasedPayments
|
-0.001 | |
| CY2020 | bcs |
Tax Adjustments For Sharebased Payments
TaxAdjustmentsForSharebasedPayments
|
26000000 | gbp |
| CY2020 | bcs |
Tax Rate Effect Of Adjustments For Sharebased Payments
TaxRateEffectOfAdjustmentsForSharebasedPayments
|
0.008 | |
| CY2022 | ifrs-full |
Tax Effect Of Revenues Exempt From Taxation2011
TaxEffectOfRevenuesExemptFromTaxation2011
|
135000000 | gbp |
| CY2022 | ifrs-full |
Tax Rate Effect Of Revenues Exempt From Taxation
TaxRateEffectOfRevenuesExemptFromTaxation
|
0.019 | |
| CY2021 | ifrs-full |
Tax Effect Of Revenues Exempt From Taxation2011
TaxEffectOfRevenuesExemptFromTaxation2011
|
198000000 | gbp |
| CY2021 | ifrs-full |
Tax Rate Effect Of Revenues Exempt From Taxation
TaxRateEffectOfRevenuesExemptFromTaxation
|
0.024 | |
| CY2020 | ifrs-full |
Tax Effect Of Revenues Exempt From Taxation2011
TaxEffectOfRevenuesExemptFromTaxation2011
|
185000000 | gbp |
| CY2020 | ifrs-full |
Tax Rate Effect Of Revenues Exempt From Taxation
TaxRateEffectOfRevenuesExemptFromTaxation
|
0.060 | |
| CY2022 | bcs |
Tax Effect Of Changes In Recognition Of Deferred Tax And Effect Of Unrecognised Tax
TaxEffectOfChangesInRecognitionOfDeferredTaxAndEffectOfUnrecognisedTax
|
146000000 | gbp |
| CY2022 | bcs |
Tax Rate Effect Of Changes In Recognition Of Deferred Tax And Effect Of Unrecognised Tax
TaxRateEffectOfChangesInRecognitionOfDeferredTaxAndEffectOfUnrecognisedTax
|
0.021 | |
| CY2021 | bcs |
Tax Effect Of Changes In Recognition Of Deferred Tax And Effect Of Unrecognised Tax
TaxEffectOfChangesInRecognitionOfDeferredTaxAndEffectOfUnrecognisedTax
|
140000000 | gbp |
| CY2021 | bcs |
Tax Rate Effect Of Changes In Recognition Of Deferred Tax And Effect Of Unrecognised Tax
TaxRateEffectOfChangesInRecognitionOfDeferredTaxAndEffectOfUnrecognisedTax
|
0.017 | |
| CY2020 | bcs |
Tax Effect Of Changes In Recognition Of Deferred Tax And Effect Of Unrecognised Tax
TaxEffectOfChangesInRecognitionOfDeferredTaxAndEffectOfUnrecognisedTax
|
123000000 | gbp |
| CY2020 | bcs |
Tax Rate Effect Of Changes In Recognition Of Deferred Tax And Effect Of Unrecognised Tax
TaxRateEffectOfChangesInRecognitionOfDeferredTaxAndEffectOfUnrecognisedTax
|
0.040 | |
| CY2022 | ifrs-full |
Tax Effect From Change In Tax Rate
TaxEffectFromChangeInTaxRate
|
-172000000 | gbp |
| CY2022 | ifrs-full |
Tax Rate Effect From Change In Tax Rate
TaxRateEffectFromChangeInTaxRate
|
-0.024 | |
| CY2021 | ifrs-full |
Tax Effect From Change In Tax Rate
TaxEffectFromChangeInTaxRate
|
-149000000 | gbp |
| CY2021 | ifrs-full |
Tax Rate Effect From Change In Tax Rate
TaxRateEffectFromChangeInTaxRate
|
-0.018 | |
| CY2020 | ifrs-full |
Tax Effect From Change In Tax Rate
TaxEffectFromChangeInTaxRate
|
-165000000 | gbp |
| CY2020 | ifrs-full |
Tax Rate Effect From Change In Tax Rate
TaxRateEffectFromChangeInTaxRate
|
-0.054 | |
| CY2022 | bcs |
Adjustments In Respect Of Prior Years
AdjustmentsInRespectOfPriorYears
|
-241000000 | gbp |
| CY2022 | bcs |
Adjustments In Respect Of Prior Years Percentage
AdjustmentsInRespectOfPriorYearsPercentage
|
-0.034 | |
| CY2021 | bcs |
Adjustments In Respect Of Prior Years
AdjustmentsInRespectOfPriorYears
|
73000000 | gbp |
| CY2021 | bcs |
Adjustments In Respect Of Prior Years Percentage
AdjustmentsInRespectOfPriorYearsPercentage
|
0.009 | |
| CY2020 | bcs |
Adjustments In Respect Of Prior Years
AdjustmentsInRespectOfPriorYears
|
179000000 | gbp |
| CY2020 | bcs |
Adjustments In Respect Of Prior Years Percentage
AdjustmentsInRespectOfPriorYearsPercentage
|
0.058 | |
| CY2022 | bcs |
Tax Effect Of Tax Credit Inflation Linked Government Bonds Holdings
TaxEffectOfTaxCreditInflationLinkedGovernmentBondsHoldings
|
556000000 | gbp |
| CY2022 | bcs |
Tax Rate Effect Of Tax Credit Inflation Linked Government Bonds Holdings
TaxRateEffectOfTaxCreditInflationLinkedGovernmentBondsHoldings
|
0.079 | |
| CY2021 | bcs |
Tax Effect Of Tax Credit Inflation Linked Government Bonds Holdings
TaxEffectOfTaxCreditInflationLinkedGovernmentBondsHoldings
|
169000000 | gbp |
| CY2021 | bcs |
Tax Rate Effect Of Tax Credit Inflation Linked Government Bonds Holdings
TaxRateEffectOfTaxCreditInflationLinkedGovernmentBondsHoldings
|
0.021 | |
| CY2020 | bcs |
Tax Effect Of Tax Credit Inflation Linked Government Bonds Holdings
TaxEffectOfTaxCreditInflationLinkedGovernmentBondsHoldings
|
23000000 | gbp |
| CY2020 | bcs |
Tax Rate Effect Of Tax Credit Inflation Linked Government Bonds Holdings
TaxRateEffectOfTaxCreditInflationLinkedGovernmentBondsHoldings
|
0.008 | |
| CY2022 | bcs |
Remeasurement Of United Kingom Deferred Tax Assets
RemeasurementOfUnitedKingomDeferredTaxAssets
|
346000000 | gbp |
| CY2022 | bcs |
Tax Rate Effect Remeasurement Of United Kingdom Deferred Tax Assets Percentage
TaxRateEffectRemeasurementOfUnitedKingdomDeferredTaxAssetsPercentage
|
0.049 | |
| CY2021 | bcs |
Remeasurement Of United Kingom Deferred Tax Assets
RemeasurementOfUnitedKingomDeferredTaxAssets
|
-462000000 | gbp |
| CY2021 | bcs |
Tax Rate Effect Remeasurement Of United Kingdom Deferred Tax Assets Percentage
TaxRateEffectRemeasurementOfUnitedKingdomDeferredTaxAssetsPercentage
|
-0.056 | |
| CY2020 | bcs |
Remeasurement Of United Kingom Deferred Tax Assets
RemeasurementOfUnitedKingomDeferredTaxAssets
|
-118000000 | gbp |
| CY2020 | bcs |
Tax Rate Effect Remeasurement Of United Kingdom Deferred Tax Assets Percentage
TaxRateEffectRemeasurementOfUnitedKingdomDeferredTaxAssetsPercentage
|
-0.038 | |
| CY2022 | bcs |
Tax Effect Non Deductible Provisions For Investigations And Litigation
TaxEffectNonDeductibleProvisionsForInvestigationsAndLitigation
|
93000000 | gbp |
| CY2022 | bcs |
Tax Rate Effect Non Deductible Provisions For Investigations And Litigation
TaxRateEffectNonDeductibleProvisionsForInvestigationsAndLitigation
|
0.013 | |
| CY2021 | bcs |
Tax Effect Non Deductible Provisions For Investigations And Litigation
TaxEffectNonDeductibleProvisionsForInvestigationsAndLitigation
|
0 | gbp |
| CY2021 | bcs |
Tax Rate Effect Non Deductible Provisions For Investigations And Litigation
TaxRateEffectNonDeductibleProvisionsForInvestigationsAndLitigation
|
0 | |
| CY2022 | ifrs-full |
Average Effective Tax Rate
AverageEffectiveTaxRate
|
0.148 | |
| CY2020 | bcs |
Tax Effect Non Deductible Provisions For Investigations And Litigation
TaxEffectNonDeductibleProvisionsForInvestigationsAndLitigation
|
5000000 | gbp |
| CY2020 | bcs |
Tax Rate Effect Non Deductible Provisions For Investigations And Litigation
TaxRateEffectNonDeductibleProvisionsForInvestigationsAndLitigation
|
0.002 | |
| CY2022 | bcs |
Tax Effect Non Deductible Provisions For Uk Customer Redress
TaxEffectNonDeductibleProvisionsForUkCustomerRedress
|
10000000 | gbp |
| CY2022 | bcs |
Tax Rate Effect Non Deductible Provisions For Uk Customer Redress
TaxRateEffectNonDeductibleProvisionsForUkCustomerRedress
|
0.001 | |
| CY2021 | bcs |
Tax Effect Non Deductible Provisions For Uk Customer Redress
TaxEffectNonDeductibleProvisionsForUkCustomerRedress
|
0 | gbp |
| CY2021 | bcs |
Tax Rate Effect Non Deductible Provisions For Uk Customer Redress
TaxRateEffectNonDeductibleProvisionsForUkCustomerRedress
|
0 | |
| CY2020 | bcs |
Tax Effect Non Deductible Provisions For Uk Customer Redress
TaxEffectNonDeductibleProvisionsForUkCustomerRedress
|
-7000000 | gbp |
| CY2020 | bcs |
Tax Rate Effect Non Deductible Provisions For Uk Customer Redress
TaxRateEffectNonDeductibleProvisionsForUkCustomerRedress
|
-0.002 | |
| CY2022 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
1039000000 | gbp |
| CY2022 | ifrs-full |
Average Effective Tax Rate
AverageEffectiveTaxRate
|
0.148 | |
| CY2021 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
1138000000 | gbp |
| CY2021 | ifrs-full |
Average Effective Tax Rate
AverageEffectiveTaxRate
|
0.139 | |
| CY2020 | ifrs-full |
Income Tax Expense Continuing Operations
IncomeTaxExpenseContinuingOperations
|
604000000 | gbp |
| CY2020 | ifrs-full |
Average Effective Tax Rate
AverageEffectiveTaxRate
|
0.197 | |
| CY2020 | bcs |
Surcharge Rate Uk Banking
SurchargeRateUKBanking
|
0.08 | |
| CY2021 | bcs |
Surcharge Rate Uk Banking
SurchargeRateUKBanking
|
0.08 | |
| CY2022 | bcs |
Surcharge Rate Uk Banking
SurchargeRateUKBanking
|
0.08 | |
| CY2022 | ifrs-full |
Applicable Tax Rate
ApplicableTaxRate
|
0.19 | |
| CY2022 | ifrs-full |
Current Tax Relating To Items Charged Or Credited Directly To Equity
CurrentTaxRelatingToItemsChargedOrCreditedDirectlyToEquity
|
1000000 | gbp |
| CY2021 | ifrs-full |
Current Tax Relating To Items Charged Or Credited Directly To Equity
CurrentTaxRelatingToItemsChargedOrCreditedDirectlyToEquity
|
58000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Deferred Taxes Explanatory
DisclosureOfDeferredTaxesExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The deferred tax amounts on the balance sheet were as follows:</span></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.776%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.963%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Tax Group</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,925 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,183 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IHC Tax Group</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,094 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,004 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank PLC's US Branch Tax Group</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">482 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,002 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other (outside the UK and US tax groups)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">490 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax asset</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,991 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,619 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax liability</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(37)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net deferred tax</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,975 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,582 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div> | |
| CY2022Q4 | ifrs-full |
Deferred Tax Assets
DeferredTaxAssets
|
6991000000 | gbp |
| CY2021Q4 | ifrs-full |
Deferred Tax Assets
DeferredTaxAssets
|
4619000000 | gbp |
| CY2022Q4 | ifrs-full |
Deferred Tax Liabilities
DeferredTaxLiabilities
|
16000000 | gbp |
| CY2021Q4 | ifrs-full |
Deferred Tax Liabilities
DeferredTaxLiabilities
|
37000000 | gbp |
| CY2022Q4 | ifrs-full |
Deferred Tax Liability Asset
DeferredTaxLiabilityAsset
|
-6975000000 | gbp |
| CY2021Q4 | ifrs-full |
Deferred Tax Liability Asset
DeferredTaxLiabilityAsset
|
-4582000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Temporary Difference Unused Tax Losses And Unused Tax Credits Explanatory
DisclosureOfTemporaryDifferenceUnusedTaxLossesAndUnusedTaxCreditsExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:15.024%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.219%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.036%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.331%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.627%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.039%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fixed asset timing differences</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value through other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Retirement benefit obligations</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan impairment allowance</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Own credit</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Share-based payments and deferred compensation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other temporary differences</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Tax losses carried forward</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,647 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,248 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,364 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,674)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,782)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,605 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,634)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,182 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,582 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(458)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(400)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(438)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other comprehensive income and reserves</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">523 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,354 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">357 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(616)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,601 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">72 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">230 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,219 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">675 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,875 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,275)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">702 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(190)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">890 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,646 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,975 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,296 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">675 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,875 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">702 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,280 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,646 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,947 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(77)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,315)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(190)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(390)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,972)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #bcbec0;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,219 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">675 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,875 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,275)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">702 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(190)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">433 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">890 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,646 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,975 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,465 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">666 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">329 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,378 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">735 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,979 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(566)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(826)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,550)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,424 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(566)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(783)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">666 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">329 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,299 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">735 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,429 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">485 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">596 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other comprehensive income and reserves</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,088 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(855)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">564 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,605 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,634)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,182 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,582 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,647 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,248 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,364 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,674)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,782)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,605 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,634)</span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">693 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">414 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,182 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,220 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,582 </span></td><td style="border-bottom:0.5pt solid #bcbec0;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table> | |
| CY2021Q4 | bcs |
Deferred Tax Assets Before Offsetting
DeferredTaxAssetsBeforeOffsetting
|
6364000000 | gbp |
| CY2021Q4 | bcs |
Deferred Tax Liabilities Before Offsetting
DeferredTaxLiabilitiesBeforeOffsetting
|
1782000000 | gbp |
| CY2021Q4 | bcs |
Deferred Tax Liability Asset Before Offsetting
DeferredTaxLiabilityAssetBeforeOffsetting
|
-4582000000 | gbp |
| CY2022 | ifrs-full |
Deferred Tax Expense Income Recognised In Profit Or Loss
DeferredTaxExpenseIncomeRecognisedInProfitOrLoss
|
438000000 | gbp |
| CY2022 | bcs |
Income Tax Relating To Components Of Other Comprehensive Income Deferred Tax Asset Liability
IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeDeferredTaxAssetLiability
|
2601000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease Through Net Exchange Differences Deferred Tax Liability Asset
IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset
|
230000000 | gbp |
| CY2022Q4 | bcs |
Deferred Tax Liability Asset Before Offsetting
DeferredTaxLiabilityAssetBeforeOffsetting
|
-6975000000 | gbp |
| CY2022Q4 | bcs |
Deferred Tax Assets Before Offsetting
DeferredTaxAssetsBeforeOffsetting
|
8947000000 | gbp |
| CY2022Q4 | bcs |
Deferred Tax Liabilities Before Offsetting
DeferredTaxLiabilitiesBeforeOffsetting
|
1972000000 | gbp |
| CY2022Q4 | bcs |
Deferred Tax Liability Asset Before Offsetting
DeferredTaxLiabilityAssetBeforeOffsetting
|
-6975000000 | gbp |
| CY2020Q4 | bcs |
Deferred Tax Assets Before Offsetting
DeferredTaxAssetsBeforeOffsetting
|
4979000000 | gbp |
| CY2020Q4 | bcs |
Deferred Tax Liabilities Before Offsetting
DeferredTaxLiabilitiesBeforeOffsetting
|
1550000000 | gbp |
| CY2020Q4 | bcs |
Deferred Tax Liability Asset Before Offsetting
DeferredTaxLiabilityAssetBeforeOffsetting
|
-3429000000 | gbp |
| CY2021 | ifrs-full |
Deferred Tax Expense Income Recognised In Profit Or Loss
DeferredTaxExpenseIncomeRecognisedInProfitOrLoss
|
-596000000 | gbp |
| CY2021 | bcs |
Income Tax Relating To Components Of Other Comprehensive Income Deferred Tax Asset Liability
IncomeTaxRelatingToComponentsOfOtherComprehensiveIncomeDeferredTaxAssetLiability
|
564000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease Through Net Exchange Differences Deferred Tax Liability Asset
IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset
|
-7000000 | gbp |
| CY2021Q4 | bcs |
Deferred Tax Liability Asset Before Offsetting
DeferredTaxLiabilityAssetBeforeOffsetting
|
-4582000000 | gbp |
| CY2021Q4 | bcs |
Deferred Tax Assets Before Offsetting
DeferredTaxAssetsBeforeOffsetting
|
6364000000 | gbp |
| CY2021Q4 | bcs |
Deferred Tax Liabilities Before Offsetting
DeferredTaxLiabilitiesBeforeOffsetting
|
1782000000 | gbp |
| CY2021Q4 | bcs |
Deferred Tax Liability Asset Before Offsetting
DeferredTaxLiabilityAssetBeforeOffsetting
|
-4582000000 | gbp |
| CY2022Q4 | ifrs-full |
Unused Tax Credits For Which No Deferred Tax Asset Recognised
UnusedTaxCreditsForWhichNoDeferredTaxAssetRecognised
|
323000000 | gbp |
| CY2021Q4 | ifrs-full |
Unused Tax Credits For Which No Deferred Tax Asset Recognised
UnusedTaxCreditsForWhichNoDeferredTaxAssetRecognised
|
283000000 | gbp |
| CY2022Q4 | ifrs-full |
Temporary Differences Associated With Investments In Subsidiaries Branches And Associates And Interests In Joint Ventures
TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures
|
852000000 | gbp |
| CY2021Q4 | ifrs-full |
Temporary Differences Associated With Investments In Subsidiaries Branches And Associates And Interests In Joint Ventures
TemporaryDifferencesAssociatedWithInvestmentsInSubsidiariesBranchesAndAssociatesAndInterestsInJointVentures
|
858000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Earnings Per Share Explanatory
DisclosureOfEarningsPerShareExplanatory
|
Earnings per share<div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit attributable to ordinary equity holders of the parent</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,023 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,205 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,526 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:65.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.964%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic weighted average number of shares in issue</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,333 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,985 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,300 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Number of potential ordinary shares</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">534 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">435 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">368 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Diluted weighted average number of shares</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,867 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,420 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,668 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Basic earnings per share</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Diluted earnings per share</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Earnings per ordinary share</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30.8 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36.5 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.8 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.8 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35.6 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.6 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The calculation of basic earnings per share is based on the profit attributable to equity holders of the parent and the basic weighted average number of shares excluding treasury shares held in employee benefit trusts or held for trading. When calculating the diluted earnings per share, the weighted average number of shares in issue is adjusted for the effects of all expected dilutive potential ordinary shares held in respect of Barclays PLC, totalling 534m (2021: 435m) shares. The total number of share options outstanding, under schemes considered to be potentially dilutive, was 789m (2021: 688m). These options have strike prices ranging from £0.84 to £1.66.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Of the total number of employee share options and share awards at 31 December 2022, 27m (2021: 5m) were anti-dilutive.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The 652m decrease (2021: 315m decrease) in the basic weighted average number of shares is primarily due to the impact of the share buy-back programmes completed in the year.</span></div> | |
| CY2022 | ifrs-full |
Earnings Per Share Explanatory
EarningsPerShareExplanatory
|
<div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit attributable to ordinary equity holders of the parent</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,023 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,205 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,526 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:65.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.964%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">million</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic weighted average number of shares in issue</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,333 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,985 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,300 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Number of potential ordinary shares</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">534 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">435 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">368 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Diluted weighted average number of shares</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,867 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,420 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,668 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Basic earnings per share</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Diluted earnings per share</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> p </span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Earnings per ordinary share</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30.8 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36.5 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.8 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.8 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35.6 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.6 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity
ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity
|
5023000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity
ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity
|
6205000000 | gbp |
| CY2020 | ifrs-full |
Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity
ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity
|
1526000000 | gbp |
| CY2022 | ifrs-full |
Weighted Average Shares
WeightedAverageShares
|
16333000000 | shares |
| CY2021 | ifrs-full |
Weighted Average Shares
WeightedAverageShares
|
16985000000 | shares |
| CY2020 | ifrs-full |
Weighted Average Shares
WeightedAverageShares
|
17300000000 | shares |
| CY2022 | ifrs-full |
Dilutive Effect Of Share Options On Number Of Ordinary Shares
DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares
|
534000000 | shares |
| CY2021 | ifrs-full |
Dilutive Effect Of Share Options On Number Of Ordinary Shares
DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares
|
435000000 | shares |
| CY2020 | ifrs-full |
Dilutive Effect Of Share Options On Number Of Ordinary Shares
DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares
|
368000000 | shares |
| CY2020 | ifrs-full |
Dividends Recognised As Distributions To Owners Of Parent Relating To Prior Years
DividendsRecognisedAsDistributionsToOwnersOfParentRelatingToPriorYears
|
173000000 | gbp |
| CY2022Q4 | bcs |
Number Of Share Buybacks
NumberOfShareBuybacks
|
2 | sharebuyback |
| CY2022 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
16867000000 | shares |
| CY2021 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
17420000000 | shares |
| CY2020 | ifrs-full |
Adjusted Weighted Average Shares
AdjustedWeightedAverageShares
|
17668000000 | shares |
| CY2022 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
0.308 | |
| CY2021 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
0.365 | |
| CY2020 | ifrs-full |
Basic Earnings Loss Per Share
BasicEarningsLossPerShare
|
0.088 | |
| CY2022 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
0.298 | |
| CY2021 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
0.356 | |
| CY2020 | ifrs-full |
Diluted Earnings Loss Per Share
DilutedEarningsLossPerShare
|
0.086 | |
| CY2022 | ifrs-full |
Dilutive Effect Of Share Options On Number Of Ordinary Shares
DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares
|
534000000 | shares |
| CY2021 | ifrs-full |
Dilutive Effect Of Share Options On Number Of Ordinary Shares
DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares
|
435000000 | shares |
| CY2022 | ifrs-full |
Disclosure Of Dividends Explanatory
DisclosureOfDividendsExplanatory
|
Dividends on ordinary shares<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Directors have approved a total dividend in respect of 2022 of 7.25p per ordinary share of 25p each. The full year dividend for 2022 of 5.00p per ordinary share will be paid on 31 March 2023 to shareholders on the Share Register on 24 February 2023. On 31 December 2022, there were 15,871m ordinary shares in issue. The financial statements for the year ended 31 December 2022 do not reflect this dividend, which will be accounted for in shareholders’ equity as an appropriation of retained profits in the year ending 31 December 2023. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Directors have confirmed their intention to initiate a share buyback of up to £500m after the balance sheet date. The proposed share buyback is expected to commence in the first quarter of 2023. The financial statements for the year ended 31 December 2022 do not reflect the impact of the proposed share buyback, which will be accounted for as and when shares are repurchased by the Company.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The 2022 financial statements include the 2022 interim dividend of £364m (2021: £339m); a full year dividend declared in relation to 2021 of £664m (2020: £173m) and two share buyback programmes totalling £1,500m (2021: £1,200m). Dividends and share buybacks are funded out of distributable reserves.</span></div> | |
| CY2022Q2 | ifrs-full |
Dividends Recognised As Distributions To Owners Of Parent Relating To Current Year
DividendsRecognisedAsDistributionsToOwnersOfParentRelatingToCurrentYear
|
364000000 | gbp |
| CY2021Q2 | ifrs-full |
Dividends Recognised As Distributions To Owners Of Parent Relating To Current Year
DividendsRecognisedAsDistributionsToOwnersOfParentRelatingToCurrentYear
|
339000000 | gbp |
| CY2022 | ifrs-full |
Dividends Recognised As Distributions To Owners Of Parent Relating To Prior Years
DividendsRecognisedAsDistributionsToOwnersOfParentRelatingToPriorYears
|
664000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Financial Instruments Held For Trading Explanatory
DisclosureOfFinancialInstrumentsHeldForTradingExplanatory
|
Trading portfolio<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for trading portfolio assets and liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with IFRS 9, all assets and liabilities held for trading purposes are held at fair value with gains and losses in the changes in fair value taken to the income statement in net trading income (Note 5).</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities and other eligible bills</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,475 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,864 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39,531)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,957)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,031 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33,393)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,212)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,198 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,525 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commodities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">533 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets/(liabilities)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,813 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,035 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(72,924)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54,169)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | bcs |
Description Of Accounting Policy For Trading Portfolio Assets And Liabilities Explanatory
DescriptionOfAccountingPolicyForTradingPortfolioAssetsAndLiabilitiesExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for trading portfolio assets and liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with IFRS 9, all assets and liabilities held for trading purposes are held at fair value with gains and losses in the changes in fair value taken to the income statement in net trading income (Note 5).</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Financial Assets Held For Trading Explanatory
DisclosureOfFinancialAssetsHeldForTradingExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities and other eligible bills</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,475 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,864 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39,531)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,957)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,031 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33,393)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,212)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,198 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,525 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commodities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">533 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets/(liabilities)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,813 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,035 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(72,924)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54,169)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022 | ifrs-full |
Disclosure Of Financial Liabilities Held For Trading Explanatory
DisclosureOfFinancialLiabilitiesHeldForTradingExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities and other eligible bills</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,475 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,864 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39,531)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,957)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,031 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33,393)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,212)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Traded loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,198 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,525 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commodities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">533 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets/(liabilities)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,813 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,035 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(72,924)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54,169)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
133813000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
147035000000 | gbp |
| CY2022Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
72924000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading
FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading
|
54169000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Financial Instruments At Fair Value Through Profit Or Loss Explanatory
DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory
|
Financial assets at fair value through the income statement<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for financial assets mandatorily at fair value</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets that are held for trading are recognised at fair value through profit or loss. In addition, financial assets are held at fair value through profit or loss if they do not contain contractual terms that give rise on specified dates to cash flows that are SPPI, or if the financial asset is not held in a business model that is either (i) a business model to collect the contractual cash flows or (ii) a business model that is achieved by both collecting contractual cash flows and selling.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for financial assets designated at fair value</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets, other than those held for trading, are classified in this category if they are so irrevocably designated at inception and the use of the designation removes or significantly reduces an accounting mismatch.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Subsequent changes in fair value for these instruments are recognised in the income statement in net investment income, except if reporting it in trading income reduces an accounting mismatch.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The details on how the fair value amounts are derived for financial assets at fair value are described in Note 17.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Designated at fair value</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Mandatorily at fair value</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,658 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,579 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,771 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,088 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,429 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,667 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,044 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,986 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,249 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,305 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,091 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,875 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,091 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,875 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other <br/>similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,014 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,014 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,864 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,898 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">209,704 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,074 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">213,568 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191,972 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Credit risk of financial assets designated at fair value and related credit derivatives</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the maximum exposure to credit risk, the changes in fair value attributable to changes in credit risk, and the cumulative changes in fair value since initial recognition for loans and advances. The table does not include debt securities and reverse repurchase agreements and other similar secured lending designated at fair value as they have minimal exposure to credit risk. Reverse repurchase agreements are collateralised and debt securities are primarily relating to high quality sovereigns.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maximum exposure as at 31 December</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Changes in fair value during the year ended</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cumulative changes in fair value from inception</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances designated at fair value, attributable to credit risk</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,658 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,579 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Value mitigated by related credit derivatives </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">855 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,617 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Financial Instruments At Fair Value Through Profit Or Loss Explanatory
DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for financial assets mandatorily at fair value</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets that are held for trading are recognised at fair value through profit or loss. In addition, financial assets are held at fair value through profit or loss if they do not contain contractual terms that give rise on specified dates to cash flows that are SPPI, or if the financial asset is not held in a business model that is either (i) a business model to collect the contractual cash flows or (ii) a business model that is achieved by both collecting contractual cash flows and selling.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for financial assets designated at fair value</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets, other than those held for trading, are classified in this category if they are so irrevocably designated at inception and the use of the designation removes or significantly reduces an accounting mismatch.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Subsequent changes in fair value for these instruments are recognised in the income statement in net investment income, except if reporting it in trading income reduces an accounting mismatch.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The details on how the fair value amounts are derived for financial assets at fair value are described in Note 17.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Financial Instruments Designated At Fair Value Through Profit Or Loss Explanatory
DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Designated at fair value</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Mandatorily at fair value</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,658 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,579 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,771 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,088 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,429 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,667 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">205 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,044 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,986 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,249 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,305 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,091 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,875 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,091 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,875 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other <br/>similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,014 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145,014 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,864 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,898 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">209,704 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186,074 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">213,568 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191,972 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contractual<br/>amount due<br/>on maturity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contractual<br/>amount due<br/>on maturity</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,846 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73,757 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,647 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,946 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,037 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,455 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,673 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">172,746 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173,511 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">168,060 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">168,129 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">271,637 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">289,731 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250,960 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259,755 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
213568000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Profit Or Loss
FinancialAssetsAtFairValueThroughProfitOrLoss
|
191972000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Credit Risk Exposure Explanatory
DisclosureOfCreditRiskExposureExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maximum exposure as at 31 December</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Changes in fair value during the year ended</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cumulative changes in fair value from inception</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances designated at fair value, attributable to credit risk</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,658 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,579 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Value mitigated by related credit derivatives </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">855 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,617 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table> | |
| CY2022 | ifrs-full |
Disclosure Of Derivative Financial Instruments Explanatory
DisclosureOfDerivativeFinancialInstrumentsExplanatory
|
Derivative financial instruments<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for derivatives</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Derivative instruments are contracts whose value is derived from one or more underlying financial instruments or indices defined in the contract. They include swaps, forward-rate agreements, futures, options and combinations of these instruments and primarily affect the Group’s net interest income, net trading income and derivative assets and liabilities. Notional amounts of the contracts are not recorded on the balance sheet. Derivatives are used to hedge interest rate, credit risk, inflation risk, exchange rate, commodity equity exposures, and exposures to certain indices such as house price indices and retail price indices related to non-trading positions.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">All derivative instruments are held at fair value through profit or loss, except for derivatives that are in a designated cash flow or net investment hedge accounting relationship. Derivatives are classified as assets when their fair value is positive or as liabilities when their fair value is negative. This includes terms included in a contract or financial liability (the host), which, had it been a standalone contract, would have met the definition of a derivative. If these are separated from the host, i.e. when the economic characteristics of the embedded derivative are not closely related with those of the host contract and the combined instrument is not measured at fair value through profit or loss, then they are accounted for in the same way as derivatives. For financial assets, the requirements are whether the financial assets contain contractual terms that give rise on specified dates to cash flows that are SPPI, and consequently the requirements for accounting for embedded derivatives are not applicable to financial assets.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Hedge accounting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies the requirements of IAS 39 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Financial Instruments:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> Recognition and Measurement for hedge accounting purposes. The Group applies hedge accounting to represent the economic effects of its interest rate, currency and contractually-linked inflation risk management strategies. Where derivatives are held for risk management purposes, and when transactions meet the required criteria for documentation and hedge effectiveness, the Group applies fair value hedge accounting, cash flow hedge accounting, or hedging of a net investment in a foreign operation, as appropriate to the risks being hedged.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies the ‘Amendments to IFRS 9, IAS 39 and IFRS 7 Interest Rate Benchmark Reform’ issued in September 2019 (the Phase 1 amendments). The amendments provide temporary relief from applying specific hedge accounting requirements to hedging relationships directly affected by IBOR (‘Interbank Offered Rates’) reform. The reliefs have the effect that IBOR reform should not generally cause hedge accounting to terminate. However, any hedge ineffectiveness continues to be recorded in the income statement. Furthermore, the amendments set out triggers for when the reliefs will end, which include the uncertainty arising from interest rate benchmark reform no longer being present.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In summary, the reliefs provided by the Phase 1 amendments are:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">When considering the ‘highly probable’ requirement, the Group has assumed that the IBOR interest rates upon which our hedged items are based do not change as a result of IBOR Reform.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">In assessing whether the hedge is expected to be highly effective on a forward-looking basis the Group has assumed that the IBOR interest rates upon which the cash flows of the hedged items and the interest rate swaps that hedge them are based are not altered by IBOR reform.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group will not discontinue hedge accounting during the period of IBOR-related uncertainty solely because the retrospective effectiveness falls outside the required 80–125% range.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group has not recycled the cash flow hedge reserve relating to the period after the reforms are expected to take effect.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group has assessed whether the hedged IBOR risk component is a separately identifiable risk only when it first designates a hedged item in a fair value hedge and not on an ongoing basis.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group also applies the ‘Amendments to IFRS 9, IAS 39, IFRS 7, IFRS 4 and IFRS 16 Interest Rate Benchmark Reform – Phase 2’ issued in August 2020. The Phase 2 amendments provide relief when changes are made to hedge relationships as a result of the interest rate benchmark reform.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In summary, the reliefs provided by the Phase 2 amendments are:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Under a temporary exception, the Group has considered that changes to the hedge designation and hedge documentation due to the interest rate benchmark reform would not constitute the discontinuation of the hedge relationship nor the designation of a new hedging relationship.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">In respect of the retrospective hedge effectiveness assessment, the Group may elect, on a hedge-by-hedge basis, to reset the cumulative fair value changes to zero when the exception to the retrospective assessment ends (Phase 1 relief). Any hedge ineffectiveness will continue to be measured and recognised in full in profit or loss.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group has deemed the amounts accumulated in the cash flow hedge reserve to be based on the alternative benchmark rate (on which the hedge future cash flows are determined) when there is a change in basis for determining the contractual cash flows.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">For hedges of groups of items (such as those forming part of a macro cash flow hedging strategy), the amendments provide relief for items within a designated group of items that are amended for changes directly required by the reform.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">In respect of whether a risk component of a hedged item is separately identifiable, the amendments provide temporary relief to entities to meet this requirement when an alternative risk free rate (RFR) financial instrument is designated as a risk component. These amendments allow the Group upon designation of the hedge to assume that the separately identifiable requirement is met if the Group reasonably expects the RFR risk will become separately identifiable within the next 24 months. The Group applies this relief to each RFR on a rate-by-rate basis and starts when the Group first designates the RFR as a non-contractually specified risk component.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Fair value hedge accounting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Changes in fair value of derivatives that qualify and are designated as fair value hedges are recorded in the income statement, together with changes in the fair value of the hedged asset or liability that are attributable to the hedged risk. The fair value changes adjust the carrying value of the hedged asset or liability held at amortised cost.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">If hedge relationships no longer meet the criteria for hedge accounting, hedge accounting is discontinued. For fair value hedges of interest rate risk, the fair value adjustment to the hedged item is amortised to the income statement over the period to maturity of the previously designated hedge relationship using the effective interest method. If the hedged item is sold or repaid, the unamortised fair value adjustment is recognised immediately in the income statement. For items classified as fair value through other comprehensive income, the hedge accounting adjustment is included in other comprehensive income.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Cash flow hedge accounting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For qualifying cash flow hedges, the fair value gain or loss associated with the effective portion of the cash flow hedge is recognised initially in other comprehensive income, and then recycled to the income statement in the periods when the hedged item will affect profit or loss. Any ineffective portion of the gain or loss on the hedging instrument is recognised in the income statement immediately.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss existing in equity at that time remains in equity and is recognised when the hedged item is ultimately recognised in the income statement. When a forecast transaction is no longer expected to occur, the cumulative gain or loss that was recognised in equity is immediately transferred to the income statement.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Hedges of net investments</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s net investments in foreign operations, including monetary items accounted for as part of the net investment, are hedged for foreign currency risks using both derivatives and foreign currency borrowings. Hedges of net investments are accounted for similarly to cash flow hedges; the effective portion of the gain or loss on the hedging instrument is being recognised directly in other comprehensive income and the ineffective portion being recognised immediately in the income statement. The cumulative gain or loss recognised in other comprehensive income is recognised in the income statement on the disposal or partial disposal of the foreign operation, or other reductions in the Group’s investment in the operation.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total derivatives</span></td><td colspan="18" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="9" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notional contract amount</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notional <br/>contract <br/>amount</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total derivative assets/(liabilities) held for trading</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,689,773 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">301,647 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(288,573)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,812,774 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,678 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(255,747)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total derivative assets/(liabilities) held for risk management</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">285,505 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">733 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,047)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">219,551 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,136)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets/(liabilities)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,975,278 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(289,620)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,032,325 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256,883)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Further information on netting arrangements of derivative financial instruments can be found within Note 18.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The fair values and notional amounts of derivative instruments held for trading and held for risk management are set out in the following table:</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives held for trading and held for risk management</span></td><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="9" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr style="height:13pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notional <br/>contract <br/>amount</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notional <br/>contract <br/>amount</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives held for trading</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,775,206 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108,833 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(103,439)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,705,108 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,959 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(74,226)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113,455 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">440 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(473)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99,664 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">171 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(208)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,426 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,084 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,908,087 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109,288 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(103,918)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,824,856 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,140 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(74,437)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,924,915 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129,920 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(116,752)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,216,846 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(113,051)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,927,570 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,319 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,371)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,398,748 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,122 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(845)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,654,126 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,257 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,167)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,200,838 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">905 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(907)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,506,611 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134,496 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(121,290)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,816,432 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125,846 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(114,803)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">619,843 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,262 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,731)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">606,504 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,007 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,752)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,107,377 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,161 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,321)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">665,600 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,675 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,809)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,727,220 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,423 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,052)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,272,104 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,682 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,561)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity and stock index derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">410,276 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,679 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16,724)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">278,683 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,822 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24,468)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,924,613 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,986 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36,774)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,469,078 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,901 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33,174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity and stock index derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,334,889 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,665 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(53,498)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,747,761 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,723 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(57,642)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commodity derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,411 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,670 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(107)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,555 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,761 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,764)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146,951 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,231 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,197)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commodity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">212,966 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,775 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,815)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,621 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,287 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,304)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets/(liabilities) held for trading</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,689,773 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">301,647 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(288,573)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,812,774 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,678 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(255,747)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,734,651 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,708 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(241,697)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,811,811 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">222,663 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216,604)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,148,402 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,920 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,165)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,164,012 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,968 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,862)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total exchange traded derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,806,720 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,019 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42,711)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,836,951 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,047 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36,281)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets/(liabilities) held for trading</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,689,773 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">301,647 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(288,573)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,812,774 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,678 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(255,747)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives held for risk management</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as cash flow hedges</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,946 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(211)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,592 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">798 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">266 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">788 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143,271 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105,933 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #525251;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as cash flow hedges</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155,483 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(212)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114,313 </span></td><td style="border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">798 </span></td><td style="border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #525251;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as fair value hedges</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #525251;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #525251;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #525251;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,814 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(815)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,480 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,118)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118,246 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94,335 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as fair value hedges</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126,060 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(815)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,815 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,129)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as hedges of net investments</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,962 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,423 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as hedges of net investments</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,962 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,423 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets/(liabilities) held for risk management</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">285,505 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">733 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,047)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">219,551 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,136)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,988 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">733 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,047)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,283 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,125)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #bcbec0;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,517 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200,268 </span></td><td style="border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets/(liabilities) held for risk management</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">285,505 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">733 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,047)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">219,551 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,136)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Hedge accounting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Hedge accounting is applied predominantly for the following risks:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Interest rate risk – arises due to a mismatch between fixed interest rates and floating interest rates. Interest rate risk also includes exposure to inflation risk for certain types of investments.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Currency risk – arises due to assets or liabilities being denominated in different currencies than the functional currency of the relevant entity. At a consolidated level, currency risk also arises when the functional currency of subsidiaries are different from the parent.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Contractually linked inflation risk – arises from financial instruments within contractually specified inflation risk. The Group does not hedge inflation risk that arises from other activities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In order to hedge these risks, the Group uses the following hedging instruments:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Interest rate derivatives to swap interest rate exposures into either fixed or variable rates.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Currency derivatives to swap foreign currency exposures into the entity’s functional currency, and net investment exposure to local currency.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Inflation derivatives to swap inflation exposure into either fixed or variable interest rates.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In some cases, certain items which are economically hedged may be ineligible hedged items for the purposes of IAS 39, such as core deposits and equity. In these instances, a proxy hedging solution can be utilised whereby portfolios of floating rate assets are designated as eligible hedged items in cash flow hedges.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In some hedging relationships, the Group designates risk components of hedged items as follows:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Benchmark interest rate risk as a component of interest rate risk, such as the LIBOR or Risk Free Rate (RFR) component.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Inflation risk as a contractually specified component of a debt instrument.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Spot exchange rate risk for foreign currency financial assets or financial liabilities.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Components of cash flows of hedged items, for example certain interest payments for part of the life of an instrument.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Using the benchmark interest rate risk results in other risks, such as credit risk and liquidity risk, being excluded from the hedge accounting relationship. Following market-wide interest rate benchmark reform, sensitivity to risk-free rates is considered to be the predominant interest rate risk and therefore the hedged items (which often reference risk-free or similar 'overnight' rates) change in fair value on a proportionate basis with reference to this risk.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In respect of many of the Group’s hedge accounting relationships, the hedged item and hedging instrument change frequently due to the dynamic nature of the risk management and hedge accounting strategy. The Group applies hedge accounting to dynamic scenarios, predominantly in relation to interest rate risk, with a combination of hedged items in order for its financial statements to reflect as closely as possible the economic risk management undertaken. In some cases, if the hedge accounting objective changes, the relevant hedge accounting relationship is de-designated and is replaced with a different hedge accounting relationship. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Changes in the GBP value of net investments due to foreign currency movements are captured in the currency translation reserve, resulting in a movement in CET1 capital. The Group mitigates this by matching the CET1 capital movements to the revaluation of the foreign currency RWA exposures. Net investment hedges are designated where necessary to reduce the exposure to movement in a particular exchange rate to within limits mandated by Risk. As far as possible, existing external currency liabilities are designated as the hedging instruments.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The hedging instruments share the same risk exposures as the hedged items. Hedge effectiveness is determined with reference to quantitative tests, predominantly regression testing, but to the extent hedging instruments are exposed to different risks than the hedged items, this could result in hedge ineffectiveness or hedge accounting failures.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Sources of ineffectiveness include the following:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Mismatches between the contractual terms of the hedged item and hedging instrument, including basis differences.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Changes in credit risk of the hedging instruments.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">If a hedging relationship becomes over-hedged, for example in hedges of net investments if the net asset value designated at the start of the period falls below the amount of the hedging instrument.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Cash flow hedges using external swaps with non-zero fair values.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The effects of the reforms to IBOR because these might take effect at a different time and have a different impact on hedged items and hedging instruments.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group's risk exposure continues, in part, to be affected by interest rate benchmark reform. In most cases, hedged items and hedging instruments are expected to transition to relevant risk-free rates at the end of their current cash flow period. USD LIBOR, Canadian Dollar Offerred Rate (CDOR) and Singapore Swap Offered Rate (SOR) linked hedge accounting relationships are still exposed to uncertainty regarding the precise timing and effects of benchmark reform. USD LIBOR and SOR benchmarks will cease to be published after 30 June 2023, CDOR - after 28 June 2024, but certain hedged items and hedging instruments continue to contractually reference these benchmarks beyond the cessation date.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table summarises the significant hedge accounting exposures impacted by the IBOR reform (see Note 41 for further updates) as at 31 December 2022:</span></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:25.675%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:29.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.793%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.611%"/><td style="width:0.1%"/></tr><tr style="height:24pt"><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Current benchmark rate</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Expected convergence to RFR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount of hedged items directly impacted by IBOR reform </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount of hedging instruments directly impacted by IBOR reform</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">USD LIBOR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Secured Overnight Financing Rate (SOFR)</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,448 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,678 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Singapore Swap Offered Rate (SOR)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Singapore Overnight Rate Average (SORA)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Canadian Dollar Offered Rate (CDOR)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Overnight Repo Rate Average (CORRA)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,306 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,335 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total IBOR Notionals</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,878 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,137 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span style="color:#ff0090;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The hedged items and hedging instruments are expected to be transitioned to SOFR and SORA by 30 June 2023 and CORRA by 28 June 2024.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedged items in fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Accumulated fair value adjustment included in carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:38pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedged item statement of financial position classification and risk category</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Of which: Accumulated fair value adjustment on items no longer in a hedge relationship</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change in fair value used as a basis to determine ineffectiveness</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedge ineffectiveness recognised in the income statements</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,906 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,474)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,268)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,405)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">445 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">243 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(133)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,858 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,304)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,693)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,583 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,758)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(232)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,799)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">168 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,514 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(261)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(804)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,465 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,573)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,498)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,945)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51,893)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,825 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">527 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,946 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51,893)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,825 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">527 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,946 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total hedged items</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">572 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,748)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(971)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,999)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,512 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">671 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(642)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,643)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">556 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">354 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,378 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(75)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,087 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">400 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,485 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(258)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,436)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,066 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">470 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,084 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,598 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(642)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,000)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48,251)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,084)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48,251)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,084)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total hedged items</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,833 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">514 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(556)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,394)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Hedge ineffectiveness is recognised in net interest income. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For items classified as fair value through other comprehensive income, the hedge accounting adjustment is not included in the carrying amount, but rather adjusts other comprehensive income.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the fair value hedging instruments which are carried on the Group’s balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:15.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.320%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.999%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change in fair value used as a basis to determine ineffectiveness</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount directly impacted by IBOR reform</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivative assets </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivative liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan liabilities</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedge type</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Risk category</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109,761 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,596 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,676 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(815)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,299 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,585 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,493 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(815)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126,060 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,181 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,169 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,447 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,554 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,577 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,118)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,368 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(142)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,624 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,129)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,815 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,412 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,201 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table profiles the expected notional values of current hedging instruments in future years:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:40.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2027</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2028 and later</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value hedges of:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk (outstanding notional amount)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109,761 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,565 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,291 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,338 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,285 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,683 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,302 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk (outstanding notional amount)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,299 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,828 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,688 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,459 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,295 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,826 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,779 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There are 1,796 (2021: 1,782) interest rate risk fair value hedges with an average fixed rate of 1.97% (2021: 1.88%) across the relationships and 94 (2021: 96) inflation risk fair value hedges with an average rate of 0.54% (2021: 0.51%) across the relationships.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:21.237%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.999%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedged items in cash flow hedges and hedges of net investments in foreign operations</span></td></tr><tr style="height:47pt"><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Description of hedge relationship and hedged risk</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change in value of hedged item used as the basis for recognising ineffectiveness</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balance in cash flow hedging reserve for continuing hedges</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balance in currency translation reserve for continuing hedges</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balances remaining in cash flow hedging reserve for which hedge accounting is no longer applied</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balances remaining in currency translation reserve for which hedge accounting is no longer applied</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedging gains or losses recognised in other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedge ineffectiveness recognised in the income statement</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedge of:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,448 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,457 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,858 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,448 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(83)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">601 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">362 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total cash flow hedge</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,296 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,187 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,874 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,032 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge of net investment in foreign operations</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">USD foreign operations</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,240 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,886 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,240 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR foreign operations</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">265 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">265 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other foreign operations</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">242 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total foreign operations</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,539 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,269 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,539 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedge of:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,465 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,536 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(492)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,465 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(347)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(356)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(356)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">252 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">252 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total cash flow hedge</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,273 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,847 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(504)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,273 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(367)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge of net investment in foreign operations</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">USD foreign operations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">943 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR foreign operations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other foreign operations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total foreign operations</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,087 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span style="color:#ff0090;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Hedge ineffectiveness is recognised in net interest income. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the cash flow and net investment hedging instruments which are carried on the Group’s balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.682%"><tr><td style="width:1.0%"/><td style="width:15.517%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.517%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.031%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change in fair value used as a basis to determine ineffectiveness</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount directly impacted by IBOR reform</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivative assets </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivative liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan liabilities</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedge type</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Risk category</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">140,901 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,531)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,968 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(211)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,946 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(484)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,636 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(329)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(212)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155,483 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,344)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,968 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net investment</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,824)</span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,786 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,539)</span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,629 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,812)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,397 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">798 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,592 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,092 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(274)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">798 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114,313 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,640)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,397 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net investment</span></td><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,212)</span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,635 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(239)</span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There are 58 (2021: 36) foreign exchange risk cash flow hedges with an average foreign exchange rate of 148.00 JPY:1 GBP (2021: 137.85 JPY:1 GBP) across the relationships.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The effect on the income statement and other comprehensive income of recycling amounts in respect of cash flow hedges and net investment hedges of foreign operations is set out in the following table:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amount recycled from other comprehensive income due to hedged item affecting income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amount recycled from other comprehensive income due to sale of investment, or cash flows no longer expected to occur</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amount recycled from other comprehensive income due to hedged item affecting income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amount recycled from other comprehensive income due to sale of investment, or cash flows no longer expected to occur</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Description of hedge relationship and hedged risk</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedge of interest rate risk</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recycled to net interest income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(320)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">541 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedge of foreign exchange risk</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recycled to other income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">630 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge of net investment in foreign operations</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recycled to other income</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(58)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A detailed reconciliation of the movements of the cash flow hedging reserve and the currency translation reserve is as follows:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash flow hedging reserve</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Currency translation reserve</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash flow hedging reserve</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Currency translation reserve</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance on 1 January</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(853)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,740 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,575 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,871 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency translation movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,513 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(139)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging gains/(losses) for the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,032)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,539)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,273)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts reclassified in relation to cash flows affecting profit or loss</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,173)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,331 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,025 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance on 31 December</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,235)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,772 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(853)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,740 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Derivative Financial Instruments And Hedging Explanatory
DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for derivatives</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Derivative instruments are contracts whose value is derived from one or more underlying financial instruments or indices defined in the contract. They include swaps, forward-rate agreements, futures, options and combinations of these instruments and primarily affect the Group’s net interest income, net trading income and derivative assets and liabilities. Notional amounts of the contracts are not recorded on the balance sheet. Derivatives are used to hedge interest rate, credit risk, inflation risk, exchange rate, commodity equity exposures, and exposures to certain indices such as house price indices and retail price indices related to non-trading positions.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">All derivative instruments are held at fair value through profit or loss, except for derivatives that are in a designated cash flow or net investment hedge accounting relationship. Derivatives are classified as assets when their fair value is positive or as liabilities when their fair value is negative. This includes terms included in a contract or financial liability (the host), which, had it been a standalone contract, would have met the definition of a derivative. If these are separated from the host, i.e. when the economic characteristics of the embedded derivative are not closely related with those of the host contract and the combined instrument is not measured at fair value through profit or loss, then they are accounted for in the same way as derivatives. For financial assets, the requirements are whether the financial assets contain contractual terms that give rise on specified dates to cash flows that are SPPI, and consequently the requirements for accounting for embedded derivatives are not applicable to financial assets.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Hedging Explanatory
DescriptionOfAccountingPolicyForHedgingExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Hedge accounting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies the requirements of IAS 39 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Financial Instruments:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> Recognition and Measurement for hedge accounting purposes. The Group applies hedge accounting to represent the economic effects of its interest rate, currency and contractually-linked inflation risk management strategies. Where derivatives are held for risk management purposes, and when transactions meet the required criteria for documentation and hedge effectiveness, the Group applies fair value hedge accounting, cash flow hedge accounting, or hedging of a net investment in a foreign operation, as appropriate to the risks being hedged.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies the ‘Amendments to IFRS 9, IAS 39 and IFRS 7 Interest Rate Benchmark Reform’ issued in September 2019 (the Phase 1 amendments). The amendments provide temporary relief from applying specific hedge accounting requirements to hedging relationships directly affected by IBOR (‘Interbank Offered Rates’) reform. The reliefs have the effect that IBOR reform should not generally cause hedge accounting to terminate. However, any hedge ineffectiveness continues to be recorded in the income statement. Furthermore, the amendments set out triggers for when the reliefs will end, which include the uncertainty arising from interest rate benchmark reform no longer being present.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In summary, the reliefs provided by the Phase 1 amendments are:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">When considering the ‘highly probable’ requirement, the Group has assumed that the IBOR interest rates upon which our hedged items are based do not change as a result of IBOR Reform.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">In assessing whether the hedge is expected to be highly effective on a forward-looking basis the Group has assumed that the IBOR interest rates upon which the cash flows of the hedged items and the interest rate swaps that hedge them are based are not altered by IBOR reform.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group will not discontinue hedge accounting during the period of IBOR-related uncertainty solely because the retrospective effectiveness falls outside the required 80–125% range.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group has not recycled the cash flow hedge reserve relating to the period after the reforms are expected to take effect.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group has assessed whether the hedged IBOR risk component is a separately identifiable risk only when it first designates a hedged item in a fair value hedge and not on an ongoing basis.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group also applies the ‘Amendments to IFRS 9, IAS 39, IFRS 7, IFRS 4 and IFRS 16 Interest Rate Benchmark Reform – Phase 2’ issued in August 2020. The Phase 2 amendments provide relief when changes are made to hedge relationships as a result of the interest rate benchmark reform.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In summary, the reliefs provided by the Phase 2 amendments are:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Under a temporary exception, the Group has considered that changes to the hedge designation and hedge documentation due to the interest rate benchmark reform would not constitute the discontinuation of the hedge relationship nor the designation of a new hedging relationship.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">In respect of the retrospective hedge effectiveness assessment, the Group may elect, on a hedge-by-hedge basis, to reset the cumulative fair value changes to zero when the exception to the retrospective assessment ends (Phase 1 relief). Any hedge ineffectiveness will continue to be measured and recognised in full in profit or loss.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group has deemed the amounts accumulated in the cash flow hedge reserve to be based on the alternative benchmark rate (on which the hedge future cash flows are determined) when there is a change in basis for determining the contractual cash flows.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">For hedges of groups of items (such as those forming part of a macro cash flow hedging strategy), the amendments provide relief for items within a designated group of items that are amended for changes directly required by the reform.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">In respect of whether a risk component of a hedged item is separately identifiable, the amendments provide temporary relief to entities to meet this requirement when an alternative risk free rate (RFR) financial instrument is designated as a risk component. These amendments allow the Group upon designation of the hedge to assume that the separately identifiable requirement is met if the Group reasonably expects the RFR risk will become separately identifiable within the next 24 months. The Group applies this relief to each RFR on a rate-by-rate basis and starts when the Group first designates the RFR as a non-contractually specified risk component.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Fair value hedge accounting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Changes in fair value of derivatives that qualify and are designated as fair value hedges are recorded in the income statement, together with changes in the fair value of the hedged asset or liability that are attributable to the hedged risk. The fair value changes adjust the carrying value of the hedged asset or liability held at amortised cost.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">If hedge relationships no longer meet the criteria for hedge accounting, hedge accounting is discontinued. For fair value hedges of interest rate risk, the fair value adjustment to the hedged item is amortised to the income statement over the period to maturity of the previously designated hedge relationship using the effective interest method. If the hedged item is sold or repaid, the unamortised fair value adjustment is recognised immediately in the income statement. For items classified as fair value through other comprehensive income, the hedge accounting adjustment is included in other comprehensive income.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Cash flow hedge accounting</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For qualifying cash flow hedges, the fair value gain or loss associated with the effective portion of the cash flow hedge is recognised initially in other comprehensive income, and then recycled to the income statement in the periods when the hedged item will affect profit or loss. Any ineffective portion of the gain or loss on the hedging instrument is recognised in the income statement immediately.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss existing in equity at that time remains in equity and is recognised when the hedged item is ultimately recognised in the income statement. When a forecast transaction is no longer expected to occur, the cumulative gain or loss that was recognised in equity is immediately transferred to the income statement.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Hedges of net investments</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s net investments in foreign operations, including monetary items accounted for as part of the net investment, are hedged for foreign currency risks using both derivatives and foreign currency borrowings. Hedges of net investments are accounted for similarly to cash flow hedges; the effective portion of the gain or loss on the hedging instrument is being recognised directly in other comprehensive income and the ineffective portion being recognised immediately in the income statement. The cumulative gain or loss recognised in other comprehensive income is recognised in the income statement on the disposal or partial disposal of the foreign operation, or other reductions in the Group’s investment in the operation.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Risk Management Strategy Related To Hedge Accounting Explanatory
DisclosureOfRiskManagementStrategyRelatedToHedgeAccountingExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives held for trading and held for risk management</span></td><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="9" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr style="height:13pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notional <br/>contract <br/>amount</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notional <br/>contract <br/>amount</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives held for trading</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,775,206 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108,833 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(103,439)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,705,108 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,959 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(74,226)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113,455 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">440 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(473)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99,664 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">171 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(208)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,426 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,084 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,908,087 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109,288 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(103,918)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,824,856 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,140 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(74,437)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,924,915 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">129,920 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(116,752)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,216,846 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(113,051)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,927,570 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,319 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,371)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,398,748 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,122 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(845)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,654,126 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,257 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,167)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,200,838 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">905 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(907)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,506,611 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134,496 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(121,290)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,816,432 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125,846 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(114,803)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">619,843 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,262 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,731)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">606,504 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,007 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,752)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,107,377 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,161 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,321)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">665,600 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,675 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,809)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,727,220 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,423 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,052)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,272,104 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,682 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,561)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity and stock index derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">410,276 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,679 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16,724)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">278,683 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,822 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24,468)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,924,613 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,986 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36,774)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,469,078 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,901 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33,174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity and stock index derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,334,889 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,665 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(53,498)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,747,761 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,723 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(57,642)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commodity derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,411 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,670 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(107)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,555 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,761 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,764)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146,951 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,231 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,197)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commodity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">212,966 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,775 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,815)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,621 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,287 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,304)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets/(liabilities) held for trading</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,689,773 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">301,647 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(288,573)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,812,774 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,678 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(255,747)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,734,651 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,708 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(241,697)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,811,811 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">222,663 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216,604)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,148,402 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,920 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,165)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,164,012 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,968 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,862)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total exchange traded derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,806,720 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,019 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42,711)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,836,951 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,047 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36,281)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets/(liabilities) held for trading</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,689,773 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">301,647 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(288,573)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,812,774 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,678 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(255,747)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives held for risk management</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as cash flow hedges</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,946 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(211)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,592 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">798 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">266 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">788 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143,271 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105,933 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #525251;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as cash flow hedges</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155,483 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(212)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114,313 </span></td><td style="border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">798 </span></td><td style="border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #525251;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-top:0.5pt solid #525251;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #525251;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as fair value hedges</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #525251;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #525251;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #525251;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #525251;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,814 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(815)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,480 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,118)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118,246 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94,335 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as fair value hedges</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126,060 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(815)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,815 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,129)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as hedges of net investments</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,962 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,423 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as hedges of net investments</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,962 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,423 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets/(liabilities) held for risk management</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">285,505 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">733 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,047)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">219,551 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,136)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total OTC derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,988 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">733 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,047)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,283 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,125)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #bcbec0;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total derivatives cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,517 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200,268 </span></td><td style="border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #bcbec0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="border-top:0.5pt solid #bcbec0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets/(liabilities) held for risk management</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">285,505 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">733 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,047)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">219,551 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,136)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022 | ifrs-full |
Disclosure Of Hedge Accounting Explanatory
DisclosureOfHedgeAccountingExplanatory
|
The following table summarises the significant hedge accounting exposures impacted by the IBOR reform (see Note 41 for further updates) as at 31 December 2022:<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:25.675%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:29.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.793%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.611%"/><td style="width:0.1%"/></tr><tr style="height:24pt"><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Current benchmark rate</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Expected convergence to RFR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount of hedged items directly impacted by IBOR reform </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount of hedging instruments directly impacted by IBOR reform</span></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">USD LIBOR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Secured Overnight Financing Rate (SOFR)</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,448 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,678 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Singapore Swap Offered Rate (SOR)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Singapore Overnight Rate Average (SORA)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Canadian Dollar Offered Rate (CDOR)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Overnight Repo Rate Average (CORRA)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,306 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,335 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total IBOR Notionals</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,878 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,137 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022 | ifrs-full |
Disclosure Of Detailed Information About Hedged Items Explanatory
DisclosureOfDetailedInformationAboutHedgedItemsExplanatory
|
<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedged items in fair value hedges</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Accumulated fair value adjustment included in carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:38pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedged item statement of financial position classification and risk category</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Of which: Accumulated fair value adjustment on items no longer in a hedge relationship</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change in fair value used as a basis to determine ineffectiveness</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedge ineffectiveness recognised in the income statements</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,906 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,474)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,268)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,405)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">445 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">243 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(133)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,858 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,304)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,693)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,583 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,758)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(232)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,799)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">168 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,514 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(261)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(804)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,465 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,573)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,498)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,945)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51,893)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,825 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">527 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,946 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51,893)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,825 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">527 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,946 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total hedged items</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">572 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,748)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(971)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,999)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,512 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">671 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(642)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,643)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">556 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">354 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,378 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(75)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,087 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">400 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,485 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(258)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,436)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Inflation risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,066 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">470 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,084 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,598 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(642)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,000)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">- Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48,251)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,084)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48,251)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,084)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,606 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total hedged items</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,833 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">514 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(556)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,394)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Hedge ineffectiveness is recognised in net interest income. </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:21.237%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.999%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedged items in cash flow hedges and hedges of net investments in foreign operations</span></td></tr><tr style="height:47pt"><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Description of hedge relationship and hedged risk</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change in value of hedged item used as the basis for recognising ineffectiveness</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balance in cash flow hedging reserve for continuing hedges</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balance in currency translation reserve for continuing hedges</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balances remaining in cash flow hedging reserve for which hedge accounting is no longer applied</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balances remaining in currency translation reserve for which hedge accounting is no longer applied</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedging gains or losses recognised in other comprehensive income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedge ineffectiveness recognised in the income statement</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedge of:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,448 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,457 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,858 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,448 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(83)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">601 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">362 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total cash flow hedge</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,296 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,187 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,874 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,032 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(48)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge of net investment in foreign operations</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">USD foreign operations</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,240 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,886 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,240 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR foreign operations</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">265 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">265 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other foreign operations</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">242 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total foreign operations</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,539 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,269 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,539 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedge of:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,465 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,536 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(492)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,465 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(347)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(88)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(356)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(356)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities classified at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">252 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">252 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total cash flow hedge</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,273 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,847 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(504)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,273 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(367)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge of net investment in foreign operations</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">USD foreign operations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">943 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EUR foreign operations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other foreign operations</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total foreign operations</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,087 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><span style="color:#ff0090;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div>a Hedge ineffectiveness is recognised in net interest income. | |
| CY2022 | ifrs-full |
Disclosure Of Detailed Information About Hedging Instruments Explanatory
DisclosureOfDetailedInformationAboutHedgingInstrumentsExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the fair value hedging instruments which are carried on the Group’s balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:15.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.320%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.999%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change in fair value used as a basis to determine ineffectiveness</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount directly impacted by IBOR reform</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivative assets </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivative liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan liabilities</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedge type</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Risk category</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109,761 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,596 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,676 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(815)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,299 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,585 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,493 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(815)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126,060 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,181 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,169 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92,447 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,554 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,577 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,118)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,368 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(142)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,624 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,129)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,815 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,412 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,201 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the cash flow and net investment hedging instruments which are carried on the Group’s balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.682%"><tr><td style="width:1.0%"/><td style="width:15.517%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.517%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.031%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change in fair value used as a basis to determine ineffectiveness</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nominal amount directly impacted by IBOR reform</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivative assets </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Derivative liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Loan liabilities</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Hedge type</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Risk category</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">140,901 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,531)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,968 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(211)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,946 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(484)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,636 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(329)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(212)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155,483 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,344)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,968 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net investment</span></td><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,824)</span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,786 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,539)</span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,629 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,812)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,397 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">798 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,592 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,092 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(274)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">798 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114,313 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,640)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,397 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net investment</span></td><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange risk</span></td><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,212)</span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,635 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(239)</span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Disclosure Of Information About Terms And Conditions Of Hedging Instruments And How They Affect Future Cash Flows Explanatory
DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory
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<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table profiles the expected notional values of current hedging instruments in future years:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:40.911%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2024</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2025</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2026</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2027</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2028 and later</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value hedges of:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk (outstanding notional amount)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109,761 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104,565 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90,291 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,338 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,285 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,683 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,302 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation risk (outstanding notional amount)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,299 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,828 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,688 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,459 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,295 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,826 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,779 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Disclosure Of Information About Amounts That Affected Statement Of Comprehensive Income As Result Of Hedge Accounting Explanatory
DisclosureOfInformationAboutAmountsThatAffectedStatementOfComprehensiveIncomeAsResultOfHedgeAccountingExplanatory
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<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The effect on the income statement and other comprehensive income of recycling amounts in respect of cash flow hedges and net investment hedges of foreign operations is set out in the following table:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amount recycled from other comprehensive income due to hedged item affecting income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amount recycled from other comprehensive income due to sale of investment, or cash flows no longer expected to occur</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amount recycled from other comprehensive income due to hedged item affecting income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amount recycled from other comprehensive income due to sale of investment, or cash flows no longer expected to occur</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Description of hedge relationship and hedged risk</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedge of interest rate risk</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recycled to net interest income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(320)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">541 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedge of foreign exchange risk</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recycled to other income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">630 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge of net investment in foreign operations</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recycled to other income</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(58)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A detailed reconciliation of the movements of the cash flow hedging reserve and the currency translation reserve is as follows:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash flow hedging reserve</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Currency translation reserve</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash flow hedging reserve</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Currency translation reserve</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance on 1 January</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(853)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,740 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,575 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,871 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency translation movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,513 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(139)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging gains/(losses) for the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,032)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,539)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,273)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts reclassified in relation to cash flows affecting profit or loss</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,173)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,331 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,025 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance on 31 December</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,235)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,772 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(853)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,740 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2021Q4 | ifrs-full |
Reserve Of Cash Flow Hedges
ReserveOfCashFlowHedges
|
-853000000 | gbp |
| CY2021Q4 | ifrs-full |
Reserve Of Exchange Differences On Translation Continuing Hedges
ReserveOfExchangeDifferencesOnTranslationContinuingHedges
|
2740000000 | gbp |
| CY2020Q4 | ifrs-full |
Reserve Of Cash Flow Hedges
ReserveOfCashFlowHedges
|
1575000000 | gbp |
| CY2020Q4 | ifrs-full |
Reserve Of Exchange Differences On Translation Continuing Hedges
ReserveOfExchangeDifferencesOnTranslationContinuingHedges
|
2871000000 | gbp |
| CY2022 | bcs |
Gains Losses On Exchange Differences On Cash Flow Hedges Before Tax
GainsLossesOnExchangeDifferencesOnCashFlowHedgesBeforeTax
|
-20000000 | gbp |
| CY2022 | ifrs-full |
Gains Losses On Exchange Differences On Translation Before Tax
GainsLossesOnExchangeDifferencesOnTranslationBeforeTax
|
3513000000 | gbp |
| CY2021 | bcs |
Gains Losses On Exchange Differences On Cash Flow Hedges Before Tax
GainsLossesOnExchangeDifferencesOnCashFlowHedgesBeforeTax
|
-7000000 | gbp |
| CY2021 | ifrs-full |
Gains Losses On Exchange Differences On Translation Before Tax
GainsLossesOnExchangeDifferencesOnTranslationBeforeTax
|
-139000000 | gbp |
| CY2022 | bcs |
Gains Losses On Cash Flow Hedges Excluding Exchange Differences Before Tax
GainsLossesOnCashFlowHedgesExcludingExchangeDifferencesBeforeTax
|
-9032000000 | gbp |
| CY2022 | ifrs-full |
Gains Losses On Hedges Of Net Investments In Foreign Operations Before Tax
GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax
|
-1539000000 | gbp |
| CY2021 | bcs |
Gains Losses On Cash Flow Hedges Excluding Exchange Differences Before Tax
GainsLossesOnCashFlowHedgesExcludingExchangeDifferencesBeforeTax
|
-2273000000 | gbp |
| CY2021 | ifrs-full |
Gains Losses On Hedges Of Net Investments In Foreign Operations Before Tax
GainsLossesOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax
|
-18000000 | gbp |
| CY2022 | ifrs-full |
Reclassification Adjustments On Cash Flow Hedges Before Tax
ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax
|
-339000000 | gbp |
| CY2022 | ifrs-full |
Reclassification Adjustments On Hedges Of Net Investments In Foreign Operations Before Tax
ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax
|
-58000000 | gbp |
| CY2021 | ifrs-full |
Reclassification Adjustments On Cash Flow Hedges Before Tax
ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax
|
1173000000 | gbp |
| CY2021 | ifrs-full |
Reclassification Adjustments On Hedges Of Net Investments In Foreign Operations Before Tax
ReclassificationAdjustmentsOnHedgesOfNetInvestmentsInForeignOperationsBeforeTax
|
-26000000 | gbp |
| CY2022 | ifrs-full |
Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income
IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome
|
-2331000000 | gbp |
| CY2022 | ifrs-full |
Income Tax Relating To Exchange Differences On Translation Of Other Comprehensive Income
IncomeTaxRelatingToExchangeDifferencesOnTranslationOfOtherComprehensiveIncome
|
0 | gbp |
| CY2021 | ifrs-full |
Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income
IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome
|
-1025000000 | gbp |
| CY2021 | ifrs-full |
Income Tax Relating To Exchange Differences On Translation Of Other Comprehensive Income
IncomeTaxRelatingToExchangeDifferencesOnTranslationOfOtherComprehensiveIncome
|
0 | gbp |
| CY2022Q4 | ifrs-full |
Reserve Of Cash Flow Hedges
ReserveOfCashFlowHedges
|
-7235000000 | gbp |
| CY2022Q4 | ifrs-full |
Reserve Of Exchange Differences On Translation Continuing Hedges
ReserveOfExchangeDifferencesOnTranslationContinuingHedges
|
4772000000 | gbp |
| CY2021Q4 | ifrs-full |
Reserve Of Cash Flow Hedges
ReserveOfCashFlowHedges
|
-853000000 | gbp |
| CY2021Q4 | ifrs-full |
Reserve Of Exchange Differences On Translation Continuing Hedges
ReserveOfExchangeDifferencesOnTranslationContinuingHedges
|
2740000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Financial Assets Explanatory
DisclosureOfFinancialAssetsExplanatory
|
Financial assets at fair value through other comprehensive income<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for financial assets at fair value through other comprehensive income (FVOCI)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets that are debt instruments held in a business model that is achieved by both collecting contractual cash flows and selling and that contain contractual terms that give rise on specified dates to cash flows that are SPPI are measured at FVOCI. They are subsequently remeasured at fair value and changes therein (except for those relating to impairment, interest income and foreign currency exchange gains and losses) are recognised in other comprehensive income until the assets are sold. Interest (calculated using the effective interest method) is recognised in the income statement in net interest income (Note 3). Upon disposal, the cumulative gain or loss recognised in other comprehensive income is included in net investment income (Note 6).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In determining whether the business model is achieved by both collecting contractual cash flows and selling financial assets, it is determined that both collecting contractual cash flows and selling financial assets are integral to achieving the objective of the business model. The Group will consider past sales and expectations about future sales to establish if the business model is achieved.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For equity securities that are not held for trading, the Group may make an irrevocable election on initial recognition to present subsequent changes in the fair value of the instrument in other comprehensive income (except for dividend income which is recognised in profit or loss). Gains or losses on the derecognition of these equity securities are not transferred to profit or loss. These assets are also not subject to the impairment requirements and therefore no amounts are recycled to the income statement. Where the Group has not made the irrevocable election to present subsequent changes in the fair value of the instrument in other comprehensive income, equity securities are measured at fair value through profit or loss.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities and other eligible bills</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,832 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,798 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity securities</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">902 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">222 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,062 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,753 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div>a 2021 includes Barclays’ equity stake in Absa Group Limited (Absa) which was sold in April 2022 and September 2022. The fair value of the stake sold in April 2022 was £557m and in September 2022 was £566m. The cumulative gains on disposal of £48m and £36m respectively were recognised within Retained earnings. | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Financial Assets Explanatory
DescriptionOfAccountingPolicyForFinancialAssetsExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for financial assets at fair value through other comprehensive income (FVOCI)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets that are debt instruments held in a business model that is achieved by both collecting contractual cash flows and selling and that contain contractual terms that give rise on specified dates to cash flows that are SPPI are measured at FVOCI. They are subsequently remeasured at fair value and changes therein (except for those relating to impairment, interest income and foreign currency exchange gains and losses) are recognised in other comprehensive income until the assets are sold. Interest (calculated using the effective interest method) is recognised in the income statement in net interest income (Note 3). Upon disposal, the cumulative gain or loss recognised in other comprehensive income is included in net investment income (Note 6).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In determining whether the business model is achieved by both collecting contractual cash flows and selling financial assets, it is determined that both collecting contractual cash flows and selling financial assets are integral to achieving the objective of the business model. The Group will consider past sales and expectations about future sales to establish if the business model is achieved.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For equity securities that are not held for trading, the Group may make an irrevocable election on initial recognition to present subsequent changes in the fair value of the instrument in other comprehensive income (except for dividend income which is recognised in profit or loss). Gains or losses on the derecognition of these equity securities are not transferred to profit or loss. These assets are also not subject to the impairment requirements and therefore no amounts are recycled to the income statement. Where the Group has not made the irrevocable election to present subsequent changes in the fair value of the instrument in other comprehensive income, equity securities are measured at fair value through profit or loss.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Analysis Of Other Comprehensive Income By Item Explanatory
DisclosureOfAnalysisOfOtherComprehensiveIncomeByItemExplanatory
|
<div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities and other eligible bills</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,832 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,798 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity securities</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">902 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">222 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,062 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,753 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div>a 2021 includes Barclays’ equity stake in Absa Group Limited (Absa) which was sold in April 2022 and September 2022. The fair value of the stake sold in April 2022 was £557m and in September 2022 was £566m. The cumulative gains on disposal of £48m and £36m respectively were recognised within Retained earnings. | |
| CY2022Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
65062000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets At Fair Value Through Other Comprehensive Income
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome
|
61753000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Financial Liabilities Explanatory
DisclosureOfFinancialLiabilitiesExplanatory
|
Financial liabilities designated at fair value<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for liabilities designated at fair value through profit and loss</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with IFRS 9, financial liabilities may be designated at fair value, with gains and losses taken to the income statement within net trading income (Note 5) and net investment income (Note 6). Movements in own credit are reported through other comprehensive income, unless the effects of changes in the liability's credit risk would create or enlarge an accounting mismatch in P&L. In these scenarios, all gains and losses on that liability (including the effects of changes in the credit risk of the liability) are presented in P&L. On derecognition of the financial liability no amount relating to own credit risk is recycled to the income statement. The Group has the ability to make the fair value designation when holding the instruments at fair value reduces an accounting mismatch (caused by an offsetting liability or asset being held at fair value), or is managed by the Group on the basis of its fair value, or includes terms that have substantive derivative characteristics (Note 14).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The details on how the fair value amounts are arrived at for financial liabilities designated at fair value are described in Note 17.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contractual<br/>amount due<br/>on maturity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Contractual<br/>amount due<br/>on maturity</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,846 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73,757 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,647 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,946 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41,037 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,455 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,673 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">172,746 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173,511 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">168,060 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">168,129 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">271,637 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">289,731 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250,960 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259,755 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The cumulative own credit net gain recognised is £674m (2021: £960m loss).</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Financial Liabilities Explanatory
DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for liabilities designated at fair value through profit and loss</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with IFRS 9, financial liabilities may be designated at fair value, with gains and losses taken to the income statement within net trading income (Note 5) and net investment income (Note 6). Movements in own credit are reported through other comprehensive income, unless the effects of changes in the liability's credit risk would create or enlarge an accounting mismatch in P&L. In these scenarios, all gains and losses on that liability (including the effects of changes in the credit risk of the liability) are presented in P&L. On derecognition of the financial liability no amount relating to own credit risk is recycled to the income statement. The Group has the ability to make the fair value designation when holding the instruments at fair value reduces an accounting mismatch (caused by an offsetting liability or asset being held at fair value), or is managed by the Group on the basis of its fair value, or includes terms that have substantive derivative characteristics (Note 14).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The details on how the fair value amounts are arrived at for financial liabilities designated at fair value are described in Note 17.</span></div> | |
| CY2022Q4 | ifrs-full |
Accumulated Changes In Fair Value Of Financial Liability Attributable To Changes In Credit Risk Of Liability
AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability
|
-674000000 | gbp |
| CY2021Q4 | ifrs-full |
Accumulated Changes In Fair Value Of Financial Liability Attributable To Changes In Credit Risk Of Liability
AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability
|
-960000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Fair Value Of Financial Instruments Explanatory
DisclosureOfFairValueOfFinancialInstrumentsExplanatory
|
Fair value of financial instruments<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for financial assets and liabilities – fair values</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial instruments that are held for trading are recognised at fair value through profit or loss. In addition, financial assets are held at fair value through profit or loss if they do not contain contractual terms that give rise on specified dates to cash flows that are SPPI, or if the financial asset is not held in a business model that is either (i) a business model to collect the contractual cash flows or (ii) a business model that is achieved by both collecting contractual cash flows and selling. Subsequent changes in fair value for these instruments are recognised in the income statement in net investment income, except if reporting it in trading income reduces an accounting mismatch.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">All financial instruments are initially recognised at fair value on the date of initial recognition (including transaction costs, other than financial instruments held at fair value through profit or loss) and depending on the subsequent classification of the financial asset or liability, may continue to be held at fair value either through profit or loss or other comprehensive income. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Wherever possible, fair value is determined by reference to a quoted market price for that instrument. For many of the Group’s financial assets and liabilities, especially derivatives, quoted prices are not available and valuation models are used to estimate fair value. The models calculate the expected cash flows under the terms of each specific contract and then discount these values back to a present value. These models use as their basis independently sourced market inputs including, for example, interest rate yield curves, equities and commodities prices, option volatilities and currency rates.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For financial liabilities measured at fair value, the carrying amount reflects the effect on fair value of changes in own credit spreads derived from observable market data such as in primary issuance and redemption activity for structured notes.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">On initial recognition, it is presumed that the transaction price is the fair value unless there is observable information available in an active market to the contrary. The best evidence of an instrument’s fair value on initial recognition is typically the transaction price. However, if fair value can be evidenced by comparison with other observable current market transactions in the same instrument, or is based on a valuation technique whose inputs include only data from observable markets, then the instrument should be recognised at the fair value derived from such observable market data.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For valuations that have made use of unobservable inputs, the difference between the model valuation and the initial transaction price (Day one profit) is recognised in profit or loss either: on a straight-line basis over the term of the transaction; or over the period until all model inputs will become observable where appropriate; or released in full when previously unobservable inputs become observable.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Various factors influence the availability of observable inputs and these may vary from product to product and change over time. Factors include the depth of activity in the relevant market, the type of product, whether the product is new and not widely traded in the marketplace, the maturity of market modelling and the nature of the transaction (bespoke or generic). To the extent that valuation is based on models or inputs that are not observable in the market, the determination of fair value can be more subjective, dependent on the significance of the unobservable input to the overall valuation. Unobservable inputs are determined based on the best information available, for example by reference to similar assets, similar maturities or other analytical techniques.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The sensitivity of valuations used in the financial statements to possible changes in significant unobservable inputs is shown on page <a href="#i556378e4bc324b448ee7446f1343626f_33089" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">371</a>.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The valuation of financial instruments often involves a significant degree of judgement and complexity, in particular where valuation models make use of unobservable inputs (‘Level 3’ assets and liabilities). This note provides information on these instruments, including the related unrealised gains and losses recognised in the period, a description of significant valuation techniques and unobservable inputs, and a sensitivity analysis.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Climate-related risks are assumed to be included in the fair values of assets and liabilities traded in active markets.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Valuation</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IFRS 13 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Fair value measurement </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">requires an entity to classify its assets and liabilities according to a hierarchy that reflects the observability of significant market inputs. The three levels of the fair value hierarchy are defined below with judgement applied in determining the boundary between Level 2 and 3 classification.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Quoted market prices – Level 1</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Assets and liabilities are classified as Level 1 if their value is observable in an active market. Such instruments are valued by reference to unadjusted quoted prices for identical assets or liabilities in active markets where the quoted price is readily available, and the price represents actual and regularly occurring market transactions. An active market is one in which transactions occur with sufficient volume and frequency to provide pricing information on an ongoing basis.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Valuation technique using observable inputs – Level 2 </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Assets and liabilities classified as Level 2 have been valued using models whose inputs are observable either directly or indirectly. Valuations based on observable inputs include assets and liabilities such as swaps and forwards which are valued using market standard pricing techniques, and options that are commonly traded in markets where all the inputs to the market standard pricing models are observable.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Valuation technique using significant unobservable inputs – Level 3 </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Assets and liabilities are classified as Level 3 if their valuation incorporates significant inputs that are not based on observable market data (unobservable inputs). A valuation input is considered observable if it can be directly observed from transactions in an active market, or if there is compelling external evidence demonstrating an executable exit price. Unobservable input levels are generally determined via reference to observable inputs, historical observations or using other analytical techniques.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the Group’s assets and liabilities that are held at fair value disaggregated by valuation technique (fair value hierarchy) and balance sheet classification:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.725%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.178%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets and liabilities held at fair value</span></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Valuation technique using</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Valuation technique using</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62,478 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,855 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,480 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,813 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80,926 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,828 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,035 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,720 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198,723 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,125 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">213,568 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,093 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177,167 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,712 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191,972 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,054 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">287,152 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,174 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,150 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">252,412 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,010 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,704 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,347 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,062 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,009 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,706 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment property</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98,956 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">595,077 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,795 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">714,828 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114,178 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">533,113 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,048 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">663,339 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44,128)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,740)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(56)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(72,924)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,529)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26,613)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54,169)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(133)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(270,454)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,050)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(271,637)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(250,376)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(410)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(250,960)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,823)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(272,434)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,363)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(289,620)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,571)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(244,253)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,059)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256,883)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(55,084)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(571,628)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,469)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(634,181)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,274)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(521,242)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,496)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(562,012)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the Group’s Level 3 assets and liabilities that are held at fair value disaggregated by product type:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 3 assets and liabilities held at fair value by product type</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,362 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,858)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,091 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,351)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,513 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,474)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">376 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(374)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(603)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(709)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,009 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,428)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,220 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,625)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,677 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase and repurchase agreements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(434)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(172)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,949 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,405 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,291 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,667 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(615)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,320 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,795 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,469)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,048 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,496)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other includes commercial real estate loans, asset backed loans, funds and fund-linked products, issued debt, Government and Government sponsored debt, asset backed securities, equity cash products and investment property.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Valuation techniques and sensitivity analysis</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Sensitivity analysis is performed on products with significant unobservable inputs (Level 3) to generate a range of reasonably possible alternative valuations. The sensitivity methodologies applied take account of the nature of the valuation techniques used, as well as the availability and reliability of observable proxy and historical data and the impact of using alternative models.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Sensitivities are dynamically calculated on a monthly basis. The calculation is based on range or spread data of a reliable reference source or a scenario based on relevant market analysis alongside the impact of using alternative models. Sensitivities are calculated without reflecting the impact of any diversification in the portfolio.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The valuation techniques used, observability and sensitivity analysis for material products within Level 3, are described below.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Interest rate derivatives</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Description: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Derivatives linked to interest rates or inflation indices. The category includes futures, interest rate and inflation swaps, swaptions, caps, floors, inflation options, balance guaranteed swaps and other exotic interest rate derivatives.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Valuation:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> Interest rate and inflation derivatives are generally valued using curves of forward rates constructed from market data to project and discount the expected future cash flows of trades. Instruments with optionality are valued using volatilities implied from market inputs, and use industry standard or bespoke models depending on the product type.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Observability: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In general, inputs are considered observable up to liquid maturities which are determined separately for each input and underlying. Unobservable inputs are generally set by referencing liquid market instruments and applying extrapolation techniques or inferred via another reasonable method.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Foreign exchange derivatives</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Description: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Derivatives linked to the foreign exchange (FX) market. The category includes FX forward contracts, FX swaps and FX options. The majority are traded as over the counter (OTC) derivatives.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Valuation:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> FX derivatives are valued using industry standard and bespoke models depending on the product type. Valuation inputs include FX rates, interest rates, FX volatilities, interest rate volatilities, FX interest rate correlations and others as appropriate.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Observability:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> FX correlations, forwards and volatilities are generally observable up to liquid maturities which are determined separately for each input and underlying. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Unobservable inputs are set by referencing liquid market instruments and applying extrapolation techniques, or inferred via another reasonable method.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Credit derivatives</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Description:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> Derivatives linked to the credit spread of a referenced entity, index or basket of referenced entities or a pool of referenced assets (e.g. a securitised product). The category includes single name and index credit default swaps (CDS) and total return swaps (TRS).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Valuation:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> CDS are valued on industry standard models using curves of credit spreads as the principal input. Credit spreads are observed directly from broker data, third party vendors or priced to proxies.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Observability</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">: CDS contracts referencing entities that are actively traded are generally considered observable. Other valuation inputs are considered observable if products with significant sensitivity to the inputs are actively traded in a liquid market. Unobservable valuation inputs are generally determined with reference to recent transactions or inferred from observable trades of the same issuer or similar entities.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Equity derivatives</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Description</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">: Exchange traded or OTC derivatives linked to equity indices and single names. The category includes vanilla and exotic equity products.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Valuation:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> Equity derivatives are valued using industry standard models. Valuation inputs include stock prices, dividends, volatilities, interest rates, equity repurchase curves and, for multi-asset products, correlations.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Observability</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">: In general, valuation inputs are observable up to liquid maturities which are determined separately for each input and underlying. Unobservable inputs are set by referencing liquid market instruments and applying extrapolation techniques, or inferred via another reasonable method.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Corporate debt</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Description: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Primarily corporate bonds.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Valuation: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Corporate bonds are valued using observable market prices sourced from broker quotes, inter-dealer prices or other reliable pricing sources.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Observability: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Prices for actively traded bonds are considered observable. Unobservable bonds prices are generally determined by reference to bond yields or CDS spreads for actively traded instruments issued by or referencing the same (or a similar) issuer.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Reverse repurchase and repurchase agreements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Description: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Includes securities purchased under resale agreements, securities sold under repurchase agreements, and other similar secured lending agreements. The agreements are primarily short-term in nature.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Valuation: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Repurchase and reverse repurchase agreements are generally valued by discounting the expected future cash flows using industry standard models that incorporate market interest rates and repurchase rates, based on the specific details of the transaction.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Observability: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Inputs are deemed observable up to liquid maturities or for consensus pricing with low pricing-range and are determined based on the specific features of the transaction. Unobservable inputs are generally set by referencing liquid market instruments and applying extrapolation techniques, or inferred via another reasonable method.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Non-asset backed loans</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Description: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Largely made up of fixed rate loans.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Valuation: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Fixed rate loans are valued using models that discount expected future cash flows based on interest rates and loan spreads.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Observability: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Within this loan population, the loan spread is generally unobservable. Unobservable loan spreads are determined by incorporating funding costs, the level of comparable assets such as gilts, issuer credit quality and other factors.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Private equity investments</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Description: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Includes investments in equity holdings in operating companies not quoted on a public exchange.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Valuation:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> Private equity investments are valued in accordance with the ‘International Private Equity and Venture Capital Valuation Guidelines’ which require the use of a number of individual pricing benchmarks such as the prices of recent transactions in the same or similar entities, discounted cash flow analysis and comparison with the earnings or revenue multiples of listed companies. While the valuation of unquoted equity instruments is subjective by nature, the relevant methodologies are commonly applied by other market participants and have been consistently applied over time.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Observability</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">: Inputs are considered observable if there is active trading in a liquid market of products with significant sensitivity to the inputs. Unobservable inputs include earnings or revenue estimates, multiples of comparative companies, marketability discounts and discount rates.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Description: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other includes commercial real estate loans, asset backed loans, funds and fund-linked products, issued debt, government sponsored debt, asset backed securities, equity cash products and investment property.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Assets and liabilities reclassified between Level 1 and Level 2</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">During the period, there were no material transfers between Level 1 and Level 2 (2021: there were no material transfers between Level 1 and Level 2).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Level 3 movement analysis</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table summarises the movements in the Level 3 balances during the period. The table shows gains and losses and includes amounts for all financial assets and liabilities that are held at fair value transferred to and from Level 3 during the period. Transfers have been reflected as if they had taken place at the beginning of the year.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Asset and liability transfers between Level 2 and Level 3 are primarily due to i) an increase or decrease in observable market activity related to an input or ii) a change in the significance of the unobservable input, with assets and liabilities classified as Level 3 if an unobservable input is deemed significant.</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:22.568%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.748%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of movements in Level 3 assets and liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:32pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains and (losses) in the period recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains or (losses) recognised in OCI</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Purchases</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sales</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Issues</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading income</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">In</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Out</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">389 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">394 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(182)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">597 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">758 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,009 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,635)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(264)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,837 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,134 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">665 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(412)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(298)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(43)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(275)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,046 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,068 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,229)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(335)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(346)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(331)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,480 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,647 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,739 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,019)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,487)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(733)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(84)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,112 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,284 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,970 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,482 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,540)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(189)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,729 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,712 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,413 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,623)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,700)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(634)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(63)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(102)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,125 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment properties</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(56)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(410)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(286)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(448)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,050)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(260)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(467)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(496)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(386)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(313)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,405)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(213)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">306 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">571 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(419)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net derivative financial instruments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,049)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(433)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">438 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">537 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,189)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,552 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,739 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,847)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,547)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,012)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">456 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,326 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table><div style="margin-bottom:3.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:22.568%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.748%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of movements in Level 3 assets and liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:32pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains and (losses) in the period recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains or (losses) recognised in OCI</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Purchases</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sales</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Issues</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading income</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">In</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Out</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">310 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">389 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">709 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,580 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,409)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(85)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(81)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">758 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,003 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(425)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(57)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">442 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(151)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,134 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,863 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,261 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,957)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(154)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">528 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(248)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,580 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,380 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(748)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(181)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,647 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">874 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">166 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(110)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,052 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,256 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,230)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(185)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,970 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,506 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,802 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,560)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(942)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(179)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,712 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment property</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(355)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(101)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(410)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(255)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(218)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(260)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(155)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(239)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(386)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,614)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,405)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net derivative financial instruments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,770)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(129)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,049)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,379 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,925 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,488)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(101)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(952)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(403)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">752 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(572)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,552 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a The derivative financial instruments are represented on a net basis. On a gross basis, derivative financial assets are £5,174m (2021: £4,010m) and derivative financial liabilities are £6,363m (2021: £6,059m).</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:112%">b Trading income represents gains and (losses) on level 3 financial instruments which in the majority are offset by losses and gains on financial instruments disclosed in level 2.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Unrealised gains and losses on Level 3 financial assets and liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table discloses the unrealised gains and losses recognised in the year arising on Level 3 financial assets and liabilities held at year end.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:45.724%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.546%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.554%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unrealised gains and (losses) recognised during the period on Level 3 assets and liabilities held at year end</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other compre-<br/>hensive<br/>income</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other <br/>compre-<br/>hensive income</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr style="height:17pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading income</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading income</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other income</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(290)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(290)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(551)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(617)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(176)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">154 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment property</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net derivative financial instruments </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(196)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(196)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(858)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(924)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(428)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(275)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Trading income represents gains and (losses) on level 3 financial instruments which in the majority are offset by losses and gains on financial instruments disclosed in level 2</span><span style="color:#ff0090;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Significant unobservable inputs</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table discloses the valuation techniques and significant unobservable inputs for material products recognised at fair value and classified as Level 3 along with the range of values used for those significant unobservable inputs:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:19.431%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.477%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.477%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.767%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Valuation technique(s)</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Significant unobservable inputs</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022 Range</span></td><td colspan="3" style="display:none"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021 Range</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Min</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Max</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Min</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Max</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Units</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation forwards</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,159 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,848 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Yield</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation model</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation forwards</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation volatility</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps vol</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate volatility</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">600 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps vol</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option volatility</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">£m</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FX - IR correlation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IR - IR correlation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(100)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,943 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,925 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92</span></td><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity volatility</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">140 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity - equity correlation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flow</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted margin</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">634 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(129)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option volatility</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Yield</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial instruments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">801 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,552 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Yield</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EBITDA multiple</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EBITDA multiple</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multiple</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Earnings multiple</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Earnings multiple</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multiple</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flow</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">496 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">559 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">725 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,916 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount margin</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">284</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">834 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">854 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Real Estate loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">267 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">543 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase and repurchase agreements</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repo spread</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">502</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued debt</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">548</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity volatility</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate volatility</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps vol</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a A range has not been provided for Net Asset Value as there would be a wide range reflecting the diverse nature of the positions.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b The units used to disclose ranges for significant unobservable inputs are percentages, points and basis points. Points are a percentage of par; for example, 100 points equals 100% of par. A basis point equals 1/100th of 1%; for example, 150 basis points equals 1.5%.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Certain derivative instruments are classified as Level 3 due to a significant unobservable credit spread input into the calculation of the Credit Valuation Adjustment for the instruments. The range of significant unobservable credit spreads is between 17-2159bps (2021: 32-1,848bps).<br/></span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:110%">The following section describes the significant unobservable inputs identified in the table above, and the sensitivity of fair value measurement of the instruments categorised as Level 3 assets or liabilities to increases in significant unobservable inputs. Where sensitivities are described, the inverse relationship will also generally apply.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Where reliable interrelationships can be identified between significant unobservable inputs used in fair value measurement, a description of those interrelationships is included below.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Forwards</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A price or rate that is applicable to a financial transaction that will take place in the future.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In general, a significant increase in a forward in isolation will result in a fair value increase for the contracted receiver of the underlying (currency, bond, commodity, etc.), but the sensitivity is dependent on the specific terms of the instrument.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Credit spread</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Credit spreads typically represent the difference in yield between an instrument and a benchmark security or reference rate. Credit spreads reflect the additional yield that a market participant demands for taking on exposure to the credit risk of an instrument and form part of the yield used in a discounted cash flow calculation.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In general, a significant increase in credit spread in isolation will result in a movement in a fair value decrease for a cash asset.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For a derivative instrument, a significant increase in credit spread in isolation can result in a fair value increase or decrease depending on the specific terms of the instrument.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Volatility</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Volatility is a measure of the variability or uncertainty in return for a given derivative underlying. It is an estimate of how much a particular underlying instrument input or index will change in value over time. In general, volatilities are implied from observed option prices. For unobservable options the implied volatility may reflect additional assumptions about the nature of the underlying risk, and the strike/maturity profile of a specific contract.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In general a significant increase in volatility in isolation will result in a fair value increase for the holder of a simple option, but the sensitivity is dependent on the specific terms of the instrument.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There may be interrelationships between unobservable volatilities and other unobservable inputs (e.g. when equity prices fall, implied equity volatilities generally rise) but these are generally specific to individual markets and may vary over time.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Correlation</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Correlation is a measure of the relationship between the movements of two variables. Correlation can be a significant input into valuation of derivative contracts with more than one underlying instrument. Credit correlation generally refers to the correlation between default processes for the separate names that make up the reference pool of a CDO structure.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A significant increase in correlation in isolation can result in a fair value increase or decrease depending on the specific terms of the instrument.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Comparable price</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Comparable instrument prices are used in valuation by calculating an implied yield (or spread over a liquid benchmark) from the price of a comparable observable instrument, then adjusting that yield (or spread) to account for relevant differences such as maturity or credit quality. Alternatively, a price-to-price basis can be assumed between the comparable and unobservable instruments in order to establish a value.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Non-asset backed loans includes a portfolio of loans extended to clients within the Group’s leveraged finance business. Leveraged finance loans are originated where Barclays provide financing commitments to clients to facilitate strategic transactions such as leverage buyouts and acquisitions. The sensitivity of the portfolio to unobservable inputs is judgmental reflecting their illiquid nature and the significance of unobservable price inputs to the valuation.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In general, a significant increase in comparable price in isolation will result in an increase in the price of the unobservable instrument. For derivatives, a change in the comparable price in isolation can result in a fair value increase or decrease depending on the specific terms of the instrument.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Loan spread</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loan spreads typically represent the difference in yield between an instrument and a benchmark security or reference rate. Loan spreads typically reflect credit quality, the level of comparable assets such as gilts and other factors, and form part of the yield used in a discounted cash flow calculation.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Non-asset backed loans contains a portfolio primarily consisting of long-dated fixed rate loans extended to counterparties in the UK Education, Social Housing and Local Authority sectors (ESHLA). The loans are categorised as Level 3 in the fair value hierarchy due to their illiquid nature and the significance of unobservable loan spreads to the valuation. Valuation uncertainty arises from the long-dated nature of the portfolio, the lack of secondary market in the loans and the lack of observable loan spreads. The majority of ESHLA loans are to borrowers in heavily regulated sectors that are considered extremely low credit risk, and have a history of near zero defaults since inception. While the overall loan spread range is from 50bps to 589bps (2021: 31bps to 1,552bps), the vast majority of spreads are concentrated towards the bottom end of this range, with 88% of the loan notional being valued with spreads less than 200bps consistently for both years.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In general, a significant increase in loan spreads in isolation will result in a fair value decrease for a loan.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">EBITDA multiple</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">EBITDA multiple is the ratio of the valuation of the investment to the earnings before interest, taxes, depreciation and amortisation.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In general, a significant increase in the multiple will result in a fair value increase for an investment.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Earnings multiple</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Earnings or Revenue multiple is the ratio of the valuation of the investment to the earnings or revenue. In general, a significant increase in the multiple will result in a fair value increase for an investment. </span></div><div style="margin-bottom:3pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:32.627%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sensitivity analysis of valuations using unobservable inputs</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Favourable changes</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unfavourable changes</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Favourable changes</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unfavourable changes</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(155)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(71)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(103)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(168)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(195)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(521)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">268 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(281)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(236)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(82)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,075 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,327)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">880 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,005)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span id="i556378e4bc324b448ee7446f1343626f_33089"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other includes asset backed loans, equity cash products and funds and fund-linked products</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The effect of stressing unobservable inputs to a range of reasonably possible alternatives, alongside considering the impact of using alternative models, would be to increase fair values by up to £1,076m (2021: £880m) or to decrease fair values by up to £1,328m (2021: £1,005m) with substantially all the potential effect impacting profit and loss rather than reserves.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:11pt;font-weight:400;line-height:110%">Fair value adjustments</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Key balance sheet valuation adjustments are quantified below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exit price adjustments derived from market bid-offer spreads</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(577)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(506)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Uncollateralised derivative funding</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(127)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative credit valuation adjustments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(319)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(212)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative debit valuation adjustments</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Exit price adjustments derived from market bid-offer spreads</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group uses mid-market pricing where it is a market maker and has the ability to transact at, or better than, mid price (which is the case for certain equity, bond and vanilla derivative markets). For other financial assets and liabilities, bid-offer adjustments are recorded to reflect the exit level for the expected close out strategy. The methodology for determining the bid-offer adjustment for a derivative portfolio involves calculating the net risk exposure by offsetting long and short positions by strike and term in accordance with the risk management and hedging strategy.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Bid-offer levels are generally derived from market quotes such as broker data. Less liquid instruments may not have a directly observable bid-offer level. In such instances, an exit price adjustment may be derived from an observable bid-offer level for a comparable liquid instrument, or determined by calibrating to derivative prices, or by scenario or historical analysis.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exit price adjustments derived from market bid-offer spreads have increased by £71m to £(577)m.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Discounting approaches for derivative instruments</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Collateralised</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In line with market practice, the methodology for discounting collateralised derivatives takes into account the nature and currency of the collateral that can be posted within the relevant credit support annex (CSA). The CSA aware discounting approach recognises the ‘cheapest to deliver’ option that reflects the ability of the party posting collateral to change the currency of the collateral.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Uncollateralised</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A fair value adjustment of £(11)m is applied to account for the impact of incorporating the cost of funding into the valuation of uncollateralised and partially collateralised derivative portfolios and collateralised derivatives where the terms of the agreement do not allow the rehypothecation of collateral received. This adjustment is referred to as the Uncollateralised derivative funding. Uncollateralised derivative funding has decreased by £116m to £(11)m as a result of underlying moves in the exposure profile of the derivative portfolio in scope.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Derivative credit and debit valuation adjustments</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Derivative credit valuation adjustments and Derivative debit valuation adjustments are incorporated into derivative valuations to reflect the impact on fair value of counterparty credit risk and Barclays’ own credit quality respectively. These adjustments are calculated for uncollateralised and partially collateralised derivatives across all asset classes. Derivative credit valuation adjustments and Derivative debit valuation adjustments are calculated using estimates of exposure at default, probability of default and recovery rates, at a counterparty level. Counterparties include (but are not limited to) corporates, sovereigns and sovereign agencies and supranationals.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Exposure at default is generally estimated through the simulation of underlying risk factors through approximating with a more vanilla structure, or by using current or scenario-based mark to market as an estimate of future exposure.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Probability of default and recovery rate information is generally sourced from the CDS markets. Where this information is not available, or considered unreliable, alternative approaches are taken based on mapping internal counterparty ratings onto historical or market-based default and recovery information. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Derivative credit valuation adjustments increased by £107m to £(319)m as a result of widening input counterparty credit spreads. Derivative debit valuation adjustments increased by £117m to £208m as a result of widening input own credit spreads.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Correlation between counterparty credit and underlying derivative risk factors, termed ‘wrong-way,’ or ‘right-way’ risk, is not systematically incorporated into the derivative credit valuation adjustments calculation but is adjusted where the underlying exposure is directly related to the counterparty.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays continues to monitor market practices and activity to ensure the approach to uncollateralised derivative valuation remains appropriate.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Portfolio exemptions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group uses the portfolio exemption in IFRS 13 Fair Value Measurement to measure the fair value of groups of financial assets and liabilities. Instruments are measured using the price that would be received to sell a net long position (i.e. an asset) for a particular risk exposure or to transfer a net short position (i.e. a liability) for a particular risk exposure in an orderly transaction between market participants at the balance sheet date under current market conditions. Accordingly, the Group measures the fair value of the group of financial assets and liabilities consistently with how market participants would price the net risk exposure at the measurement date.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Unrecognised gains as a result of the use of valuation models using unobservable inputs</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The amount that has yet to be recognised in income that relates to the difference between the transaction price (the fair value at initial recognition) and the amount that would have arisen had valuation models using unobservable inputs been used on initial recognition, less amounts subsequently recognised, is £126m (2021: £133m) for financial instruments measured at fair value and £216m (2021: £230m) for financial instruments carried at amortised cost. There are additions and FX gains of £59m (2021: £59m), and amortisation and releases of £66m (2021: £42m) for financial instruments measured at fair value and additions of £0m (2021: £0m) and amortisation and releases of £14m (2021: £17m) for financial instruments measured at amortised cost.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Third-party credit enhancements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Structured and brokered certificates of deposit issued by Barclays are insured up to $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC) in the US. The FDIC is funded by premiums that Barclays and other banks pay for deposit insurance coverage. The carrying value of these issued certificates of deposit that are designated under the IFRS 9 fair value option includes this third party credit enhancement. The on-balance sheet value of these brokered certificates of deposit amounted to £5,197m (2021: £790m).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Comparison of carrying amounts and fair values for assets and liabilities not held at fair value</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table summarises the fair value of financial assets and liabilities measured at amortised cost on the Group’s balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.647%"><tr><td style="width:1.0%"/><td style="width:26.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.101%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="15" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets </span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">391,661 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,117 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113,153 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">263,391 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">362,424 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,381 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,191 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,852 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities </span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(545,782)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(545,738)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(426,016)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(116,157)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,565)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519,433)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519,436)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(434,431)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(83,501)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,504)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,052)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,054)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,054)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,352)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,358)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,358)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(112,881)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(113,276)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(110,151)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,125)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98,867)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(100,657)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98,364)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,293)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,423)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,474)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,254)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(220)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,759)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,334)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,267)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The fair value is an estimate of the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. As a wide range of valuation techniques are available, it may not be appropriate to directly compare this fair value information to independent market sources or other financial institutions. Different valuation methodologies and assumptions can have a significant impact on fair values which are based on unobservable inputs.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Financial assets</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The carrying value of financial assets held at amortised cost is determined in accordance with the relevant accounting policy in Note 19.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Loans and advances at amortised cost</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The fair value of loans and advances, for the purpose of this disclosure, is derived from discounting expected cash flows in a way that reflects the current market price for lending to issuers of similar credit quality. Where market data or credit information on the underlying borrowers is unavailable, a number of proxy/extrapolation techniques are employed to determine the appropriate discount rates. For 2022, the fair value is lower than carrying value mainly on fixed rate products driven by rising interest rates. The majority will be part of a wider portfolio which includes fair valued instruments that are not presented in this table</span><span style="color:#ff0090;font-family:'Expert Sans Regular',sans-serif;font-size:8pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Reverse repurchase agreements and other similar secured borrowing</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The fair value of reverse repurchase agreements approximates carrying amount as these balances are generally short dated and fully collateralised.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Financial liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The carrying value of financial liabilities held at amortised cost is determined in accordance with the accounting policy in Note 1.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Deposits at amortised cost</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In many cases, the fair value disclosed approximates carrying value because the instruments are short term in nature or have interest rates that reprice frequently, such as customer accounts and other deposits and short-term debt securities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The fair value for deposits with longer-term maturities, mainly time deposits, are estimated using discounted cash flows applying either market rates or current rates for deposits of similar remaining maturities. Consequently, the fair value discount is minimal.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Repurchase agreements and other similar secured borrowing</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The fair value of repurchase agreements approximates carrying amounts as these balances are generally short dated.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Debt securities in issue</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Fair values of other debt securities in issue are based on quoted prices where available, or where the instruments are short dated, carrying amount approximates fair value.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Subordinated liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Fair values for dated and undated convertible and non-convertible loan capital are based on quoted market rates for the issuer concerned or issuers with similar terms and conditions.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Fair Value Measurement Explanatory
DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for financial assets and liabilities – fair values</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial instruments that are held for trading are recognised at fair value through profit or loss. In addition, financial assets are held at fair value through profit or loss if they do not contain contractual terms that give rise on specified dates to cash flows that are SPPI, or if the financial asset is not held in a business model that is either (i) a business model to collect the contractual cash flows or (ii) a business model that is achieved by both collecting contractual cash flows and selling. Subsequent changes in fair value for these instruments are recognised in the income statement in net investment income, except if reporting it in trading income reduces an accounting mismatch.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">All financial instruments are initially recognised at fair value on the date of initial recognition (including transaction costs, other than financial instruments held at fair value through profit or loss) and depending on the subsequent classification of the financial asset or liability, may continue to be held at fair value either through profit or loss or other comprehensive income. The fair value of a financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Wherever possible, fair value is determined by reference to a quoted market price for that instrument. For many of the Group’s financial assets and liabilities, especially derivatives, quoted prices are not available and valuation models are used to estimate fair value. The models calculate the expected cash flows under the terms of each specific contract and then discount these values back to a present value. These models use as their basis independently sourced market inputs including, for example, interest rate yield curves, equities and commodities prices, option volatilities and currency rates.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For financial liabilities measured at fair value, the carrying amount reflects the effect on fair value of changes in own credit spreads derived from observable market data such as in primary issuance and redemption activity for structured notes.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">On initial recognition, it is presumed that the transaction price is the fair value unless there is observable information available in an active market to the contrary. The best evidence of an instrument’s fair value on initial recognition is typically the transaction price. However, if fair value can be evidenced by comparison with other observable current market transactions in the same instrument, or is based on a valuation technique whose inputs include only data from observable markets, then the instrument should be recognised at the fair value derived from such observable market data.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For valuations that have made use of unobservable inputs, the difference between the model valuation and the initial transaction price (Day one profit) is recognised in profit or loss either: on a straight-line basis over the term of the transaction; or over the period until all model inputs will become observable where appropriate; or released in full when previously unobservable inputs become observable.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Various factors influence the availability of observable inputs and these may vary from product to product and change over time. Factors include the depth of activity in the relevant market, the type of product, whether the product is new and not widely traded in the marketplace, the maturity of market modelling and the nature of the transaction (bespoke or generic). To the extent that valuation is based on models or inputs that are not observable in the market, the determination of fair value can be more subjective, dependent on the significance of the unobservable input to the overall valuation. Unobservable inputs are determined based on the best information available, for example by reference to similar assets, similar maturities or other analytical techniques.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The sensitivity of valuations used in the financial statements to possible changes in significant unobservable inputs is shown on page <a href="#i556378e4bc324b448ee7446f1343626f_33089" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">371</a>.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The valuation of financial instruments often involves a significant degree of judgement and complexity, in particular where valuation models make use of unobservable inputs (‘Level 3’ assets and liabilities). This note provides information on these instruments, including the related unrealised gains and losses recognised in the period, a description of significant valuation techniques and unobservable inputs, and a sensitivity analysis.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Climate-related risks are assumed to be included in the fair values of assets and liabilities traded in active markets.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Fair Value Measurement Explanatory
DisclosureOfFairValueMeasurementExplanatory
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<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the Group’s assets and liabilities that are held at fair value disaggregated by valuation technique (fair value hierarchy) and balance sheet classification:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.725%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.178%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets and liabilities held at fair value</span></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Valuation technique using</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Valuation technique using</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62,478 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,855 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,480 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,813 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80,926 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,828 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147,035 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,720 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198,723 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,125 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">213,568 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,093 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177,167 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,712 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191,972 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,054 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">287,152 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,174 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,150 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">252,412 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,010 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,704 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,347 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,062 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,009 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,706 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,753 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment property</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98,956 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">595,077 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,795 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">714,828 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114,178 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">533,113 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,048 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">663,339 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44,128)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,740)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(56)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(72,924)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,529)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26,613)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54,169)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(133)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(270,454)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,050)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(271,637)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(250,376)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(410)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(250,960)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,823)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(272,434)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,363)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(289,620)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,571)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(244,253)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,059)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256,883)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(55,084)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(571,628)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,469)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(634,181)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,274)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(521,242)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,496)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(562,012)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the Group’s Level 3 assets and liabilities that are held at fair value disaggregated by product type:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 3 assets and liabilities held at fair value by product type</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,362 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,858)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,091 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,351)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,513 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,474)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">376 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(374)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(603)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(709)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,009 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,428)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,220 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,625)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,677 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,205 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase and repurchase agreements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(434)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(172)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,949 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,405 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,291 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,667 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(615)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,320 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,795 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,469)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,048 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,496)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other includes commercial real estate loans, asset backed loans, funds and fund-linked products, issued debt, Government and Government sponsored debt, asset backed securities, equity cash products and investment property.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Fair Value Measurement Of Assets Explanatory
DisclosureOfFairValueMeasurementOfAssetsExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:22.568%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.748%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of movements in Level 3 assets and liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:32pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains and (losses) in the period recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains or (losses) recognised in OCI</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Purchases</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sales</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Issues</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading income</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">In</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Out</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">389 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">394 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(182)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">597 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">758 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,009 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,635)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(264)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,837 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,134 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">665 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(412)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(298)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(43)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(275)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,046 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,068 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,229)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(335)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(346)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(331)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,480 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,647 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,739 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,019)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,487)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(733)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(84)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,112 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,284 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,970 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,482 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,540)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(189)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,729 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,712 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,413 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,623)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,700)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(634)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(63)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(102)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,125 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment properties</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(56)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(410)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(286)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(448)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,050)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(260)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(467)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(496)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(386)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(313)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,405)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(213)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">306 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">571 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(419)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net derivative financial instruments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,049)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(433)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">438 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">537 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,189)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,552 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,739 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,847)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,547)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,012)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">456 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,326 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table><div style="margin-bottom:3.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:22.568%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.748%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of movements in Level 3 assets and liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:32pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains and (losses) in the period recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains or (losses) recognised in OCI</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Purchases</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sales</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Issues</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading income</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">In</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Out</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">310 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">389 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">709 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,580 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,409)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(85)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(81)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">758 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,003 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(425)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(57)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">442 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(151)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,134 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,863 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,261 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,957)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(154)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">528 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(248)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,580 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,380 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(748)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(181)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,647 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">874 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">166 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(110)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,052 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,256 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,230)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(185)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,970 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,506 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,802 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,560)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(942)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(179)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,712 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment property</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(355)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(101)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(410)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(255)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(218)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(260)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(155)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(239)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(386)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,614)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,405)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net derivative financial instruments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,770)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(129)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,049)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,379 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,925 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,488)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(101)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(952)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(403)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">752 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(572)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,552 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a The derivative financial instruments are represented on a net basis. On a gross basis, derivative financial assets are £5,174m (2021: £4,010m) and derivative financial liabilities are £6,363m (2021: £6,059m).</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:112%">b Trading income represents gains and (losses) on level 3 financial instruments which in the majority are offset by losses and gains on financial instruments disclosed in level 2.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Fair Value Measurement Of Liabilities Explanatory
DisclosureOfFairValueMeasurementOfLiabilitiesExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:22.568%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.748%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of movements in Level 3 assets and liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:32pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains and (losses) in the period recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains or (losses) recognised in OCI</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Purchases</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sales</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Issues</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading income</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">In</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Out</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">389 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">394 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(182)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">597 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">758 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,009 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,635)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(264)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,837 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,134 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">665 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(412)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(298)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(43)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(275)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,046 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,068 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,229)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(335)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(346)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(331)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,480 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,647 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,739 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,019)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,487)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(733)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(84)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,112 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">192 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,284 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,970 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,482 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,540)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(189)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,729 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,712 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,413 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,623)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,700)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(634)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(63)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(102)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,125 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment properties</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(56)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(410)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(286)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(448)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,050)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(260)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(216)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(467)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(496)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(386)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(313)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,405)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(213)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">333 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">306 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">571 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(419)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net derivative financial instruments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,049)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(433)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">438 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(111)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">537 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,189)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,552 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,739 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,847)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,547)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,012)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">456 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,326 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table><div style="margin-bottom:3.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:22.568%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.740%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.748%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of movements in Level 3 assets and liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:32pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains and (losses) in the period recognised in the income statement</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total gains or (losses) recognised in OCI</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transfers</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td></tr><tr style="height:18pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Purchases</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sales</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Issues</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Trading income</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">In</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Out</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">310 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">389 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">709 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,580 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,409)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(85)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(81)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">758 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,003 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">371 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(425)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(57)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">442 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(151)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,134 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,863 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,261 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,957)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(154)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">528 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(248)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,281 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,580 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,380 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(306)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(748)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(181)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(174)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,647 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">874 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">166 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(110)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,052 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,256 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,230)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(185)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,970 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,506 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,802 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10,560)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(942)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(179)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,712 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment property</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(355)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(101)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(410)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(255)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(218)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(260)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(155)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(239)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(386)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,614)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,405)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net derivative financial instruments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,770)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(129)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,049)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,379 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,925 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,488)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(101)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(952)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(403)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">752 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(572)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,552 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a The derivative financial instruments are represented on a net basis. On a gross basis, derivative financial assets are £5,174m (2021: £4,010m) and derivative financial liabilities are £6,363m (2021: £6,059m).</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:112%">b Trading income represents gains and (losses) on level 3 financial instruments which in the majority are offset by losses and gains on financial instruments disclosed in level 2.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Explanatory
DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfAssetsExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table discloses the valuation techniques and significant unobservable inputs for material products recognised at fair value and classified as Level 3 along with the range of values used for those significant unobservable inputs:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:19.431%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.477%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.477%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.767%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Valuation technique(s)</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Significant unobservable inputs</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022 Range</span></td><td colspan="3" style="display:none"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021 Range</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Min</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Max</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Min</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Max</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Units</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation forwards</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,159 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,848 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Yield</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation model</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation forwards</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation volatility</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps vol</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate volatility</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">600 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps vol</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option volatility</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">£m</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FX - IR correlation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IR - IR correlation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(100)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,943 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,925 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92</span></td><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity volatility</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">140 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity - equity correlation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flow</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted margin</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">634 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(129)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option volatility</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Yield</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial instruments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">801 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,552 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Yield</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EBITDA multiple</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EBITDA multiple</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multiple</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Earnings multiple</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Earnings multiple</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multiple</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flow</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">496 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">559 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">725 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,916 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount margin</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">284</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">834 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">854 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Real Estate loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">267 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">543 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase and repurchase agreements</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repo spread</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">502</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued debt</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">548</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity volatility</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate volatility</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps vol</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a A range has not been provided for Net Asset Value as there would be a wide range reflecting the diverse nature of the positions.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b The units used to disclose ranges for significant unobservable inputs are percentages, points and basis points. Points are a percentage of par; for example, 100 points equals 100% of par. A basis point equals 1/100th of 1%; for example, 150 basis points equals 1.5%.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Certain derivative instruments are classified as Level 3 due to a significant unobservable credit spread input into the calculation of the Credit Valuation Adjustment for the instruments. The range of significant unobservable credit spreads is between 17-2159bps (2021: 32-1,848bps).<br/></span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Liabilities Explanatory
DisclosureOfSignificantUnobservableInputsUsedInFairValueMeasurementOfLiabilitiesExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table discloses the valuation techniques and significant unobservable inputs for material products recognised at fair value and classified as Level 3 along with the range of values used for those significant unobservable inputs:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:19.431%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.477%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.477%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.767%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Valuation technique(s)</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Significant unobservable inputs</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022 Range</span></td><td colspan="3" style="display:none"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021 Range</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Min</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Max</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Min</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Max</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Units</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation forwards</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,159 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,848 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Yield</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Correlation model</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation forwards</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation volatility</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps vol</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate volatility</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">600 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps vol</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option volatility</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">£m</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">FX - IR correlation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IR - IR correlation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(100)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,943 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,925 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92</span></td><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity volatility</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">140 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity - equity correlation</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flow</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted margin</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(205)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">634 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(129)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option volatility</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted Cash Flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Yield</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial instruments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">801 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,552 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Yield</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EBITDA multiple</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EBITDA multiple</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multiple</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Earnings multiple</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Earnings multiple</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multiple</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flow</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">496 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">559 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">725 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,916 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount margin</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparable pricing</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Price</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">284</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">points</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">834 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">854 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Real Estate loans</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">267 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">543 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase and repurchase agreements</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repo spread</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">502</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued debt</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spread</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">73</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">548</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option model</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity volatility</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate volatility</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261</span></td><td colspan="3" style="display:none"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">bps vol</span></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a A range has not been provided for Net Asset Value as there would be a wide range reflecting the diverse nature of the positions.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b The units used to disclose ranges for significant unobservable inputs are percentages, points and basis points. Points are a percentage of par; for example, 100 points equals 100% of par. A basis point equals 1/100th of 1%; for example, 150 basis points equals 1.5%.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c Certain derivative instruments are classified as Level 3 due to a significant unobservable credit spread input into the calculation of the Credit Valuation Adjustment for the instruments. The range of significant unobservable credit spreads is between 17-2159bps (2021: 32-1,848bps).<br/></span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Sensitivity Analysis Of Fair Value Measurement To Changes In Unobservable Inputs Liabilities Explanatory
DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsLiabilitiesExplanatory
|
<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:32.627%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sensitivity analysis of valuations using unobservable inputs</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Favourable changes</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unfavourable changes</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Favourable changes</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unfavourable changes</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(155)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(71)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(103)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(168)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(195)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(521)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">268 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(281)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(236)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(82)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,075 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,327)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">880 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,005)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span id="i556378e4bc324b448ee7446f1343626f_33089"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other includes asset backed loans, equity cash products and funds and fund-linked products</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Sensitivity Analysis Of Fair Value Measurement To Changes In Unobservable Inputs Assets Explanatory
DisclosureOfSensitivityAnalysisOfFairValueMeasurementToChangesInUnobservableInputsAssetsExplanatory
|
<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:32.627%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="27" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sensitivity analysis of valuations using unobservable inputs</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Favourable changes</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unfavourable changes</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Favourable changes</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unfavourable changes</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Income statement</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(155)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(71)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(103)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(168)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(195)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate debt</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-asset backed loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(521)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equity investments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">268 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(281)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">246 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(236)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(82)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,075 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,327)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">880 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,005)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span id="i556378e4bc324b448ee7446f1343626f_33089"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Other includes asset backed loans, equity cash products and funds and fund-linked products</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Fair Value Of Financial Assets And Financial Liabilities And Reclassification Explanatory
DisclosureOfFairValueOfFinancialAssetsAndFinancialLiabilitiesAndReclassificationExplanatory
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<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table summarises the fair value of financial assets and liabilities measured at amortised cost on the Group’s balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.647%"><tr><td style="width:1.0%"/><td style="width:26.935%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.096%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.101%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="15" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 3</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 1</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 2</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Level 3</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets </span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">391,661 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,117 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113,153 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">263,391 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">362,424 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,381 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,191 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">261,852 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">776 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities </span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(545,782)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(545,738)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(426,016)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(116,157)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,565)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519,433)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519,436)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(434,431)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(83,501)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,504)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,052)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,054)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,054)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,352)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,358)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,358)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(112,881)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(113,276)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(110,151)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,125)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98,867)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(100,657)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(98,364)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,293)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,423)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,474)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,254)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(220)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,759)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,334)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,267)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(67)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Disclosure Of Offsetting Of Financial Assets And Financial Liabilities Explanatory
DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory
|
Offsetting financial assets and financial liabilities<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with IAS 32 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Financial Instruments: Presentation, t</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">he Group reports financial assets and financial liabilities on a net basis on the balance sheet only if there is a legally enforceable right to set-off the recognised amounts and there is intention to settle on a net basis, or to realise the asset and settle the liability simultaneously. The following table shows the impact of netting arrangements on:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">all financial assets and liabilities that are reported net on the balance sheet</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">all derivative financial instruments and reverse repurchase and repurchase agreements and other similar secured lending and borrowing agreements that are subject to enforceable master netting arrangements or similar agreements, but do not qualify for balance sheet netting.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The ‘Net amounts’ presented are not intended to represent the Group’s actual exposure to credit risk, as a variety of credit mitigation strategies are employed in addition to netting and collateral arrangements.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:26.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.938%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts subject to enforceable netting arrangements</span></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts not subject to enforceable netting arrangements</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">c</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balance sheet total</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">d</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Effects of offsetting on-balance sheet</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Related amounts not offset</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross amounts</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts offset</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net amounts reported on the balance sheet</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial instruments</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial collateral</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net amount</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">374,253 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76,429)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">297,824 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238,337)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45,981)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,506 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,556 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">558,977 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(396,323)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">162,654 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(162,024)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">630 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,803 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165,457 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">933,230 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(472,752)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">460,478 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238,337)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(208,005)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,136 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,359 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467,837 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(360,630)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,530 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(284,100)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,337 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,639 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,124)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,520)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(289,620)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(571,774)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">396,323 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(175,451)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,451 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24,347)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(199,798)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(932,404)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">472,853 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(459,551)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,337 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,090 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,124)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29,867)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(489,418)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">279,568 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24,137)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,431 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(202,519)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40,485)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,427 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">514,360 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(370,003)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144,357 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(143,854)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">503 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,884 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,241 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">793,928 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(394,140)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">399,788 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(202,519)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(184,339)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,930 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,025 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">410,813 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(274,356)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,606 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(250,750)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,519 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,321 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,910)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,133)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256,883)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(535,653)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">370,003 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(165,650)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165,650 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,762)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(196,412)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(810,009)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393,609 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(416,400)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,519 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199,971 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,910)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36,895)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(453,295)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Amounts offset for derivative financial assets additionally includes cash collateral netted of £15,199m (2021: £3,815m). Amounts offset for derivative financial liabilities additionally includes cash collateral netted of £15,098m (2021: £4,346m). Settlements assets and liabilities have been offset amounting to £24,250m (2021: £22,837m). </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Financial collateral of £45,981m (2021: £40,485m) was received in respect of derivative assets, including £34,547m (2021: £34,598m) of cash collateral and £11,434m (2021: £5,887m) of non-cash collateral. Financial collateral of £26,639m (2021: £34,321m) was placed in respect of derivative liabilities, including £25,222m (2021: £32,031m) of cash collateral and £1,417m (2021: £2,290m) of non-cash collateral. The collateral amounts are limited to net balance sheet exposure so as to not include overcollateralisation.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c This column includes contractual rights of set-off that are subject to uncertainty under the laws of the relevant jurisdiction.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d The balance sheet total is the sum of ‘Net amounts reported on the balance sheet’ that are subject to enforceable netting arrangements and ‘Amounts not subject to enforceable netting arrangements’.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Reverse repurchase agreements and other similar secured lending of £165,457m (2021: £148,241m) is split by fair value £164,681m (2021: £145,014m) and amortised cost £776m (2021: £3,227m). Repurchase agreements and other similar secured borrowing of £199,798m (2021: £196,412m) is split by fair value £172,746m (2021: £168,060m) and amortised cost £27,052m (2021: £28,352m).<br/></span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Derivative assets and liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The ‘Financial instruments’ column identifies financial assets and liabilities that are subject to set-off under netting agreements, such as the ISDA Master Agreement or derivative exchange or clearing counterparty agreements, whereby all outstanding transactions with the same counterparty can be offset and close-out netting applied across all outstanding transactions covered by the agreements if an event of default or other predetermined events occur.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial collateral refers to cash and non-cash collateral obtained, typically daily or weekly, to cover the net exposure between counterparties by enabling the collateral to be realised in an event of default or if other predetermined events occur.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Repurchase and reverse repurchase agreements and other similar secured lending and borrowing</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The ‘Financial instruments’ column identifies financial assets and liabilities that are subject to set-off under netting agreements, such as Global Master Repurchase Agreements and Global Master Securities Lending Agreements, whereby all outstanding transactions with the same counterparty can be offset and close-out netting applied across all outstanding transactions covered by the agreements if an event of default or other predetermined events occur.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial collateral typically comprises highly liquid securities which are legally transferred and can be liquidated in the event of counterparty default.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">These offsetting and collateral arrangements and other credit risk mitigation strategies used by the Group are further explained in the Credit risk management section.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Offsetting Of Financial Instruments Explanatory
DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory
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<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with IAS 32 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Financial Instruments: Presentation, t</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">he Group reports financial assets and financial liabilities on a net basis on the balance sheet only if there is a legally enforceable right to set-off the recognised amounts and there is intention to settle on a net basis, or to realise the asset and settle the liability simultaneously. The following table shows the impact of netting arrangements on:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">all financial assets and liabilities that are reported net on the balance sheet</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">all derivative financial instruments and reverse repurchase and repurchase agreements and other similar secured lending and borrowing agreements that are subject to enforceable master netting arrangements or similar agreements, but do not qualify for balance sheet netting.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The ‘Net amounts’ presented are not intended to represent the Group’s actual exposure to credit risk, as a variety of credit mitigation strategies are employed in addition to netting and collateral arrangements.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Offsetting Of Financial Liabilities Explanatory
DisclosureOfOffsettingOfFinancialLiabilitiesExplanatory
|
<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:26.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.938%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts subject to enforceable netting arrangements</span></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts not subject to enforceable netting arrangements</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">c</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balance sheet total</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">d</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Effects of offsetting on-balance sheet</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Related amounts not offset</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross amounts</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts offset</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net amounts reported on the balance sheet</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial instruments</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial collateral</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net amount</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">374,253 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76,429)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">297,824 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238,337)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45,981)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,506 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,556 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">558,977 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(396,323)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">162,654 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(162,024)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">630 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,803 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165,457 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">933,230 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(472,752)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">460,478 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238,337)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(208,005)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,136 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,359 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467,837 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(360,630)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,530 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(284,100)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,337 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,639 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,124)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,520)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(289,620)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(571,774)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">396,323 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(175,451)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,451 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24,347)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(199,798)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(932,404)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">472,853 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(459,551)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,337 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,090 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,124)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29,867)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(489,418)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">279,568 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24,137)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,431 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(202,519)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40,485)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,427 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">514,360 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(370,003)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144,357 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(143,854)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">503 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,884 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,241 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">793,928 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(394,140)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">399,788 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(202,519)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(184,339)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,930 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,025 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">410,813 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(274,356)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,606 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(250,750)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,519 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,321 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,910)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,133)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256,883)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(535,653)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">370,003 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(165,650)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165,650 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,762)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(196,412)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(810,009)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393,609 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(416,400)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,519 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199,971 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,910)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36,895)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(453,295)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Amounts offset for derivative financial assets additionally includes cash collateral netted of £15,199m (2021: £3,815m). Amounts offset for derivative financial liabilities additionally includes cash collateral netted of £15,098m (2021: £4,346m). Settlements assets and liabilities have been offset amounting to £24,250m (2021: £22,837m). </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Financial collateral of £45,981m (2021: £40,485m) was received in respect of derivative assets, including £34,547m (2021: £34,598m) of cash collateral and £11,434m (2021: £5,887m) of non-cash collateral. Financial collateral of £26,639m (2021: £34,321m) was placed in respect of derivative liabilities, including £25,222m (2021: £32,031m) of cash collateral and £1,417m (2021: £2,290m) of non-cash collateral. The collateral amounts are limited to net balance sheet exposure so as to not include overcollateralisation.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c This column includes contractual rights of set-off that are subject to uncertainty under the laws of the relevant jurisdiction.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d The balance sheet total is the sum of ‘Net amounts reported on the balance sheet’ that are subject to enforceable netting arrangements and ‘Amounts not subject to enforceable netting arrangements’.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Reverse repurchase agreements and other similar secured lending of £165,457m (2021: £148,241m) is split by fair value £164,681m (2021: £145,014m) and amortised cost £776m (2021: £3,227m). Repurchase agreements and other similar secured borrowing of £199,798m (2021: £196,412m) is split by fair value £172,746m (2021: £168,060m) and amortised cost £27,052m (2021: £28,352m).<br/></span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Offsetting Of Financial Assets Explanatory
DisclosureOfOffsettingOfFinancialAssetsExplanatory
|
<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:26.603%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.937%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.938%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="18" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts subject to enforceable netting arrangements</span></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts not subject to enforceable netting arrangements</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">c</span></div></td><td colspan="3" rowspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Balance sheet total</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">d</span></div></td></tr><tr style="height:11pt"><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Effects of offsetting on-balance sheet</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Related amounts not offset</span></td></tr><tr style="height:32pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross amounts</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Amounts offset</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net amounts reported on the balance sheet</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial instruments</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Financial collateral</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net amount</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">374,253 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76,429)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">297,824 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238,337)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45,981)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,506 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,556 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302,380 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">558,977 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(396,323)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">162,654 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(162,024)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">630 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,803 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165,457 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">933,230 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(472,752)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">460,478 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(238,337)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(208,005)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,136 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,359 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467,837 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(360,630)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,530 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(284,100)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,337 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26,639 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,124)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,520)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(289,620)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(571,774)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">396,323 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(175,451)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">175,451 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24,347)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(199,798)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(932,404)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">472,853 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(459,551)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,337 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,090 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,124)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29,867)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(489,418)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">279,568 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24,137)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">255,431 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(202,519)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40,485)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,427 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262,572 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">514,360 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(370,003)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144,357 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(143,854)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">503 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,884 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148,241 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">793,928 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(394,140)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">399,788 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(202,519)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(184,339)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,930 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,025 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">410,813 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(274,356)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,606 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(250,750)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,519 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,321 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,910)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,133)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(256,883)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements and other similar secured borrowing</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">e</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(535,653)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">370,003 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(165,650)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165,650 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,762)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(196,412)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(810,009)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393,609 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(416,400)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,519 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199,971 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,910)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36,895)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(453,295)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Amounts offset for derivative financial assets additionally includes cash collateral netted of £15,199m (2021: £3,815m). Amounts offset for derivative financial liabilities additionally includes cash collateral netted of £15,098m (2021: £4,346m). Settlements assets and liabilities have been offset amounting to £24,250m (2021: £22,837m). </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Financial collateral of £45,981m (2021: £40,485m) was received in respect of derivative assets, including £34,547m (2021: £34,598m) of cash collateral and £11,434m (2021: £5,887m) of non-cash collateral. Financial collateral of £26,639m (2021: £34,321m) was placed in respect of derivative liabilities, including £25,222m (2021: £32,031m) of cash collateral and £1,417m (2021: £2,290m) of non-cash collateral. The collateral amounts are limited to net balance sheet exposure so as to not include overcollateralisation.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c This column includes contractual rights of set-off that are subject to uncertainty under the laws of the relevant jurisdiction.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">d The balance sheet total is the sum of ‘Net amounts reported on the balance sheet’ that are subject to enforceable netting arrangements and ‘Amounts not subject to enforceable netting arrangements’.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">e Reverse repurchase agreements and other similar secured lending of £165,457m (2021: £148,241m) is split by fair value £164,681m (2021: £145,014m) and amortised cost £776m (2021: £3,227m). Repurchase agreements and other similar secured borrowing of £199,798m (2021: £196,412m) is split by fair value £172,746m (2021: £168,060m) and amortised cost £27,052m (2021: £28,352m).<br/></span></div> | |
| CY2022Q4 | bcs |
Settlements Assets Liabilities Offset Amounts
SettlementsAssetsLiabilitiesOffsetAmounts
|
24250000000 | gbp |
| CY2021Q4 | bcs |
Settlements Assets Liabilities Offset Amounts
SettlementsAssetsLiabilitiesOffsetAmounts
|
22837000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Financial Instruments Explanatory
DisclosureOfFinancialInstrumentsExplanatory
|
Loans and advances and deposits at amortised cost<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for loans and advances and deposits held at amortised cost</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans and advances to customers and banks, customer accounts, debt securities and most financial liabilities, are held at amortised cost. That is, the initial fair value (which is normally the amount advanced or borrowed) is adjusted for repayments and the amortisation of coupon, fees and expenses to represent the effective interest rate of the asset or liability. Balances deferred on-balance sheet as effective interest rate adjustments are amortised to interest income over the life of the financial instrument to which they relate.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets that are held in a business model to collect the contractual cash flows and that contain contractual terms that give rise on specified dates to cash flows that are SPPI, are measured at amortised cost. The carrying value of these financial assets at initial recognition includes any directly attributable transaction costs. Refer to Note 1 for details on ‘solely payments of principal and interest’.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In determining whether the business model is a ‘hold to collect’ model, the objective of the business model must be to hold the financial asset to collect contractual cash flows rather than holding the financial asset for trading or short-term profit taking purposes. While the objective of the business model must be to hold the financial asset to collect contractual cash flows this does not mean the Group is required to hold the financial assets until maturity. When determining if the business model objective is to collect contractual cash flows the Group will consider past sales and expectations about future sales.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances and deposits at amortised cost</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost to banks</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,015 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,698 </span></td><td style="border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost to customers</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343,277 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319,922 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,487 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,831 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361,451 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost from banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,979 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,819 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits at amortised cost from customers</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">525,803 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">501,614 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total deposits at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">545,782 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">519,433 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Loans And Receivables Explanatory
DescriptionOfAccountingPolicyForLoansAndReceivablesExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for loans and advances and deposits held at amortised cost</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Loans and advances to customers and banks, customer accounts, debt securities and most financial liabilities, are held at amortised cost. That is, the initial fair value (which is normally the amount advanced or borrowed) is adjusted for repayments and the amortisation of coupon, fees and expenses to represent the effective interest rate of the asset or liability. Balances deferred on-balance sheet as effective interest rate adjustments are amortised to interest income over the life of the financial instrument to which they relate.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial assets that are held in a business model to collect the contractual cash flows and that contain contractual terms that give rise on specified dates to cash flows that are SPPI, are measured at amortised cost. The carrying value of these financial assets at initial recognition includes any directly attributable transaction costs. Refer to Note 1 for details on ‘solely payments of principal and interest’.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In determining whether the business model is a ‘hold to collect’ model, the objective of the business model must be to hold the financial asset to collect contractual cash flows rather than holding the financial asset for trading or short-term profit taking purposes. While the objective of the business model must be to hold the financial asset to collect contractual cash flows this does not mean the Group is required to hold the financial assets until maturity. When determining if the business model objective is to collect contractual cash flows the Group will consider past sales and expectations about future sales.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Property Plant And Equipment Explanatory
DisclosureOfPropertyPlantAndEquipmentExplanatory
|
Property, plant and equipment<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for property, plant and equipment</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 16 Property Plant and Equipment and IAS 40 Investment Properties.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Property, plant and equipment is stated at cost, which includes direct and incremental acquisition costs less accumulated depreciation and provisions for impairment, if required. Subsequent costs are capitalised if these result in enhancement of the asset.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation is provided on the depreciable amount of items of property, plant and equipment on a straight-line basis over their estimated useful economic lives. Depreciation rates, methods and the residual values underlying the calculation of depreciation of items of property, plant and equipment are kept under review to take account of any change in circumstances. The Group uses the following annual rates in calculating depreciation:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:74.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.495%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annual rates in calculating depreciation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation rate </span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Freehold land</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not depreciated</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Freehold buildings and long-leasehold property (more than 50 years to run)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2-3.3%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leasehold property over the remaining life of the lease (less than 50 years to run)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Over the remaining life of the lease</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Costs of adaptation of freehold and leasehold property</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6-10%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equipment installed in freehold and leasehold property</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6-10%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Computers and similar equipment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17-33%</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixtures and fittings and other equipment</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9-20%</span></div></td></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Costs of adaptation and installed equipment are depreciated over the shorter of the life of the lease or the depreciation rates noted in the table above.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Investment property</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group initially recognises investment property at cost, and subsequently at fair value at each balance sheet date, reflecting market conditions at the reporting date. Gains and losses on remeasurement are included in the income statement.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Property</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equipment</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Right of use assets</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,131 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,920 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,268 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">273 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">313 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">623 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(923)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(641)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,633)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,585 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,018 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,950 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,558 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated depreciation and impairment</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,255)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,586)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(872)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,713)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation charge</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(181)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(206)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(614)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">882 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">630 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,577 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(65)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(61)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(147)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,642)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,244)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,056)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,942)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net book value </span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,943 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">774 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,616 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,002 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,091 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,934 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">274 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">189 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">495 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(160)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(74)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(114)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(350)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,131 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,210 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,920 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,268 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated depreciation and impairment</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,013)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,421)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(567)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,001)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation charge</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(249)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(222)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(204)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(675)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(170)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(276)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,255)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,586)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(872)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,713)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net book value </span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,876 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">624 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,048 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,555 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Right of use (ROU) asset balances relate to property leases under IFRS 16. Refer to Note 21 for further details.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Disposals primarily pertain to fully depreciated assets which are not in use.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%"><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Property rentals of £10m (2021: £16m) have been included in other income.</span></div>The fair value of investment property is determined by reference to current market prices for similar properties, adjusted as necessary for condition and location, or by reference to recent transactions updated to reflect current economic conditions. Discounted cash flow techniques may be employed to calculate fair value where there have been no recent transactions, using current external market inputs such as market rents and interest rates. Valuations are carried out by management with the support of appropriately qualified independent valuers. | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Property Plant And Equipment Explanatory
DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for property, plant and equipment</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 16 Property Plant and Equipment and IAS 40 Investment Properties.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Property, plant and equipment is stated at cost, which includes direct and incremental acquisition costs less accumulated depreciation and provisions for impairment, if required. Subsequent costs are capitalised if these result in enhancement of the asset.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depreciation is provided on the depreciable amount of items of property, plant and equipment on a straight-line basis over their estimated useful economic lives. Depreciation rates, methods and the residual values underlying the calculation of depreciation of items of property, plant and equipment are kept under review to take account of any change in circumstances. The Group uses the following annual rates in calculating depreciation:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:74.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.495%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annual rates in calculating depreciation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation rate </span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Freehold land</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not depreciated</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Freehold buildings and long-leasehold property (more than 50 years to run)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2-3.3%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leasehold property over the remaining life of the lease (less than 50 years to run)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Over the remaining life of the lease</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Costs of adaptation of freehold and leasehold property</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6-10%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equipment installed in freehold and leasehold property</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6-10%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Computers and similar equipment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17-33%</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixtures and fittings and other equipment</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9-20%</span></div></td></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Costs of adaptation and installed equipment are depreciated over the shorter of the life of the lease or the depreciation rates noted in the table above.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Investment property</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group initially recognises investment property at cost, and subsequently at fair value at each balance sheet date, reflecting market conditions at the reporting date. Gains and losses on remeasurement are included in the income statement.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Detailed Information About Property Plant And Equipment Explanatory
DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory
|
The Group uses the following annual rates in calculating depreciation:<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:74.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.495%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annual rates in calculating depreciation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation rate </span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Freehold land</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not depreciated</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Freehold buildings and long-leasehold property (more than 50 years to run)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2-3.3%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leasehold property over the remaining life of the lease (less than 50 years to run)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Over the remaining life of the lease</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Costs of adaptation of freehold and leasehold property</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6-10%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equipment installed in freehold and leasehold property</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6-10%</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Computers and similar equipment</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17-33%</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixtures and fittings and other equipment</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9-20%</span></div></td></tr></table><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Investment<br/>property</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Property</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equipment</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Right of use assets</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,131 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,920 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,268 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">273 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">313 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">623 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(923)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(641)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(68)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,633)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,585 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,018 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,950 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,558 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated depreciation and impairment</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,255)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,586)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(872)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,713)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation charge</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(181)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(206)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(614)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">882 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">630 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,577 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(65)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(61)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(147)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,642)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,244)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,056)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,942)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net book value </span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,943 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">774 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,616 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,002 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,091 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,934 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,037 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">274 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">189 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">495 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(160)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(74)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(114)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(350)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,131 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,210 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,920 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,268 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated depreciation and impairment</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,013)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,421)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(567)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,001)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation charge</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(249)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(222)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(204)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(675)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(170)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(276)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,255)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,586)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(872)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,713)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net book value </span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,876 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">624 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,048 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,555 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Right of use (ROU) asset balances relate to property leases under IFRS 16. Refer to Note 21 for further details.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Disposals primarily pertain to fully depreciated assets which are not in use.</span></div> | |
| CY2022Q4 | ifrs-full |
Property Plant And Equipment
PropertyPlantAndEquipment
|
3616000000 | gbp |
| CY2021Q4 | ifrs-full |
Property Plant And Equipment
PropertyPlantAndEquipment
|
3555000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Leases Explanatory
DisclosureOfLeasesExplanatory
|
Leases<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for leases</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IFRS 16 applies to all leases with the exception of licences of intellectual property, rights held by licensing agreements within the scope of IAS 38 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Intangible Assets, </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">service concession arrangements, leases of biological assets within the scope of IAS 41 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Agriculture and leases of minerals, oil, natural gas and similar non-regenerative resources</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">. IFRS 16 includes an accounting policy choice for a lessee to elect not to apply IFRS 16 to remaining assets within the scope of IAS 38 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Intangible Assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> which the Group has decided to apply. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When the Group is the lessee, it is required to recognise both:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">A lease liability, measured at the present value of remaining cash flows on the lease, and </span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">A right of use (ROU) asset, measured at the amount of the initial measurement of the lease liability, plus any lease payments made prior to commencement date, initial direct costs, and estimated costs of restoring the underlying asset to the condition required by the lease, less any lease incentives received.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Subsequently the lease liability will increase for the accrual of interest, resulting in a constant rate of return throughout the life of the lease, and reduce when payments are made. The right of use asset will amortise to the income statement over the life of the lease. The lease liability is remeasured when there is a change in one of the following:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Future lease payments arising from a change in an index or rate;</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group’s estimate of the amount expected to be payable under a residual value guarantee; or</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group’s assessment of whether it will exercise a purchase, extension or termination option.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When the lease liability is remeasured, a corresponding adjustment is made to the carrying amount of the ROU asset, or is recorded in the income statement if the carrying amount of the ROU asset has been reduced to nil.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">On the balance sheet, the ROU assets are included within property, plant and equipment and the lease liabilities are included within other liabilities. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies the recognition exemption in IFRS 16 for leases with a term not exceeding 12 months. For these leases the lease payments are recognised as an expense on a straight line basis over the lease term unless another systematic basis is more appropriate. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When the Group is the lessor, the lease must be classified as either a finance lease or an operating lease. A finance lease is a lease which confers substantially all the risks and rewards of the leased assets on the lessee. An operating lease is a lease where substantially all of the risks and rewards of the leased asset remain with the lessor.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When the lease is deemed a finance lease, the leased asset is not held on the balance sheet; instead a finance lease receivable is recognised representing the minimum lease payments receivable under the terms of the lease, discounted at the rate of interest implicit in the lease.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When the lease is deemed an operating lease, the lease income is recognised on a straight-line basis over the period of the lease unless another systematic basis is more appropriate. The Group holds the leased assets on balance sheet within property, plant and equipment. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">As a Lessor</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Finance lease receivables are included within loans and advances at amortised cost. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table sets out a maturity analysis of lease receivables, showing the lease payments to be received after the reporting date.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.238%"><tr><td style="width:1.0%"/><td style="width:29.749%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.550%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross investment in finance lease receivables</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future finance income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present value of minimum lease payments<br/>receivable</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unguaranteed residual values</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross investment in finance lease receivables</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future finance income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present value of minimum lease payments<br/>receivable</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unguaranteed residual values</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not more than one year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">One to two years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Two to three years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Three to four years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Four to five years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Over five years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays Asset Finance provided leasing and other asset finance facilities across a broad range of asset types to business and individual customers.There is no impairment allowance for finance lease receivables in current and previous year.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group does not have any material operating leases as a lessor.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Finance lease income</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Finance lease income is included within interest income. The following table shows amounts recognised in the income statement during the year.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance income from net investment in lease</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit on sales</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">As a Lessee</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group leases various offices, branches and other premises under non-cancellable lease arrangements to meet its operational business requirements. In some instances, Barclays will sublease property to third parties when it is no longer needed to meet business requirements. Currently, Barclays does not have any material subleasing arrangements.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">ROU asset balances relate to property leases only. Refer to Note 20 for the carrying amount of ROU assets.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The total expenses recognised during the year for short term leases were £1m (2021: £3m). The portfolio of short term leases to which Barclays is exposed at the end of the year is not dissimilar to the expenses recognised in the year.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,317 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,444 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">New leases</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash payments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(239)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(258)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December (see Note 23) </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,216 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,317 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:0.1pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The below table sets out a maturity analysis of undiscounted lease liabilities, showing the lease payments after the reporting date.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undiscounted lease liabilities maturity analysis</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not more than one year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">230 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">One to two years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">215 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Two to three years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">193 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Three to four years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Four to five years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">140 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Five to ten years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">457 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">503 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Greater than ten years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total undiscounted lease liabilities as at 31 December</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,500 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,639 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition to the cash flows identified above, Barclays is exposed to:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Variable lease payments: This variability will typically arise from either inflation index instruments or market-based pricing adjustments. Currently, Barclays has 401 (2021: 609) leases out of the total 896 (2021: 1,111) leases which have variable lease payment terms based on market-based pricing adjustments. Of the gross cash flows identified above, £1,087m (2021: £1,196m) is attributable to leases with some degree of variability predominately linked to market-based pricing adjustments.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Extension and termination options: The table above represents Barclays' best estimate of future cash outflows for leases, including assumptions regarding the exercising of contractual extension and termination options. The above gross cash flows have been reduced by £516m (2021: £434m) for leases where Barclays is highly expected to exercise an early termination option. However, there is no significant impact where Barclays is expected to exercise an extension option.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2022, the Group recorded a one-off gain of £88m from sale and leaseback (2021: £33m).</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group does not have any restrictions or covenants imposed by the lessor on its property leases which restrict its businesses.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Leases Explanatory
DescriptionOfAccountingPolicyForLeasesExplanatory
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<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for leases</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IFRS 16 applies to all leases with the exception of licences of intellectual property, rights held by licensing agreements within the scope of IAS 38 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Intangible Assets, </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">service concession arrangements, leases of biological assets within the scope of IAS 41 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Agriculture and leases of minerals, oil, natural gas and similar non-regenerative resources</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">. IFRS 16 includes an accounting policy choice for a lessee to elect not to apply IFRS 16 to remaining assets within the scope of IAS 38 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Intangible Assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> which the Group has decided to apply. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When the Group is the lessee, it is required to recognise both:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">A lease liability, measured at the present value of remaining cash flows on the lease, and </span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">A right of use (ROU) asset, measured at the amount of the initial measurement of the lease liability, plus any lease payments made prior to commencement date, initial direct costs, and estimated costs of restoring the underlying asset to the condition required by the lease, less any lease incentives received.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Subsequently the lease liability will increase for the accrual of interest, resulting in a constant rate of return throughout the life of the lease, and reduce when payments are made. The right of use asset will amortise to the income statement over the life of the lease. The lease liability is remeasured when there is a change in one of the following:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Future lease payments arising from a change in an index or rate;</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group’s estimate of the amount expected to be payable under a residual value guarantee; or</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The Group’s assessment of whether it will exercise a purchase, extension or termination option.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When the lease liability is remeasured, a corresponding adjustment is made to the carrying amount of the ROU asset, or is recorded in the income statement if the carrying amount of the ROU asset has been reduced to nil.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">On the balance sheet, the ROU assets are included within property, plant and equipment and the lease liabilities are included within other liabilities. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies the recognition exemption in IFRS 16 for leases with a term not exceeding 12 months. For these leases the lease payments are recognised as an expense on a straight line basis over the lease term unless another systematic basis is more appropriate. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When the Group is the lessor, the lease must be classified as either a finance lease or an operating lease. A finance lease is a lease which confers substantially all the risks and rewards of the leased assets on the lessee. An operating lease is a lease where substantially all of the risks and rewards of the leased asset remain with the lessor.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When the lease is deemed a finance lease, the leased asset is not held on the balance sheet; instead a finance lease receivable is recognised representing the minimum lease payments receivable under the terms of the lease, discounted at the rate of interest implicit in the lease.</span></div>When the lease is deemed an operating lease, the lease income is recognised on a straight-line basis over the period of the lease unless another systematic basis is more appropriate. The Group holds the leased assets on balance sheet within property, plant and equipment. | |
| CY2022 | ifrs-full |
Disclosure Of Maturity Analysis Of Finance Lease Payments Receivable Explanatory
DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory
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<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table sets out a maturity analysis of lease receivables, showing the lease payments to be received after the reporting date.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.238%"><tr><td style="width:1.0%"/><td style="width:29.749%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.550%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross investment in finance lease receivables</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future finance income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present value of minimum lease payments<br/>receivable</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unguaranteed residual values</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gross investment in finance lease receivables</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Future finance income</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Present value of minimum lease payments<br/>receivable</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unguaranteed residual values</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not more than one year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">One to two years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Two to three years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Three to four years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Four to five years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Over five years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022Q4 | ifrs-full |
Undiscounted Finance Lease Payments To Be Received
UndiscountedFinanceLeasePaymentsToBeReceived
|
28000000 | gbp |
| CY2022Q4 | ifrs-full |
Unearned Finance Income Relating To Finance Lease Payments Receivable
UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable
|
2000000 | gbp |
| CY2022Q4 | ifrs-full |
Net Investment In Finance Lease
NetInvestmentInFinanceLease
|
26000000 | gbp |
| CY2022Q4 | ifrs-full |
Discounted Unguaranteed Residual Value Of Assets Subject To Finance Lease
DiscountedUnguaranteedResidualValueOfAssetsSubjectToFinanceLease
|
0 | gbp |
| CY2021Q4 | ifrs-full |
Undiscounted Finance Lease Payments To Be Received
UndiscountedFinanceLeasePaymentsToBeReceived
|
58000000 | gbp |
| CY2021Q4 | ifrs-full |
Unearned Finance Income Relating To Finance Lease Payments Receivable
UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable
|
5000000 | gbp |
| CY2021Q4 | ifrs-full |
Net Investment In Finance Lease
NetInvestmentInFinanceLease
|
53000000 | gbp |
| CY2021Q4 | ifrs-full |
Discounted Unguaranteed Residual Value Of Assets Subject To Finance Lease
DiscountedUnguaranteedResidualValueOfAssetsSubjectToFinanceLease
|
0 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Additional Information About Leasing Activities For Lessor Explanatory
DisclosureOfAdditionalInformationAboutLeasingActivitiesForLessorExplanatory
|
The following table shows amounts recognised in the income statement during the year.<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Finance income from net investment in lease</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit on sales</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022 | ifrs-full |
Finance Income On Net Investment In Finance Lease
FinanceIncomeOnNetInvestmentInFinanceLease
|
2000000 | gbp |
| CY2021 | ifrs-full |
Finance Income On Net Investment In Finance Lease
FinanceIncomeOnNetInvestmentInFinanceLease
|
21000000 | gbp |
| CY2022 | ifrs-full |
Selling Profit Loss On Finance Leases
SellingProfitLossOnFinanceLeases
|
0 | gbp |
| CY2021 | ifrs-full |
Selling Profit Loss On Finance Leases
SellingProfitLossOnFinanceLeases
|
1000000 | gbp |
| CY2022 | ifrs-full |
Expense Relating To Shortterm Leases For Which Recognition Exemption Has Been Used
ExpenseRelatingToShorttermLeasesForWhichRecognitionExemptionHasBeenUsed
|
1000000 | gbp |
| CY2021 | ifrs-full |
Expense Relating To Shortterm Leases For Which Recognition Exemption Has Been Used
ExpenseRelatingToShorttermLeasesForWhichRecognitionExemptionHasBeenUsed
|
3000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Additional Information About Leasing Activities For Lessee Explanatory
DisclosureOfAdditionalInformationAboutLeasingActivitiesForLesseeExplanatory
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<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,317 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,444 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">New leases</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(54)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash payments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(239)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(258)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December (see Note 23) </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,216 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,317 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:0.1pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The below table sets out a maturity analysis of undiscounted lease liabilities, showing the lease payments after the reporting date.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undiscounted lease liabilities maturity analysis</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not more than one year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">230 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">One to two years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">215 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Two to three years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">193 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Three to four years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Four to five years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">140 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Five to ten years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">457 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">503 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Greater than ten years</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total undiscounted lease liabilities as at 31 December</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,500 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,639 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2021Q4 | ifrs-full |
Lease Liabilities
LeaseLiabilities
|
1317000000 | gbp |
| CY2020Q4 | ifrs-full |
Lease Liabilities
LeaseLiabilities
|
1444000000 | gbp |
| CY2022 | ifrs-full |
Interest Expense On Lease Liabilities
InterestExpenseOnLeaseLiabilities
|
56000000 | gbp |
| CY2021 | ifrs-full |
Interest Expense On Lease Liabilities
InterestExpenseOnLeaseLiabilities
|
64000000 | gbp |
| CY2022 | ifrs-full |
Increase Through New Leases Liabilities Arising From Financing Activities
IncreaseThroughNewLeasesLiabilitiesArisingFromFinancingActivities
|
42000000 | gbp |
| CY2021 | ifrs-full |
Increase Through New Leases Liabilities Arising From Financing Activities
IncreaseThroughNewLeasesLiabilitiesArisingFromFinancingActivities
|
43000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease Through Obtaining Or Losing Control Of Subsidiaries Or Other Businesses Liabilities Arising From Financing Activities
IncreaseDecreaseThroughObtainingOrLosingControlOfSubsidiariesOrOtherBusinessesLiabilitiesArisingFromFinancingActivities
|
13000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease Through Obtaining Or Losing Control Of Subsidiaries Or Other Businesses Liabilities Arising From Financing Activities
IncreaseDecreaseThroughObtainingOrLosingControlOfSubsidiariesOrOtherBusinessesLiabilitiesArisingFromFinancingActivities
|
54000000 | gbp |
| CY2022 | ifrs-full |
Payments Of Lease Liabilities Classified As Financing Activities
PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities
|
239000000 | gbp |
| CY2021 | ifrs-full |
Payments Of Lease Liabilities Classified As Financing Activities
PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities
|
258000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease Through Effect Of Changes In Foreign Exchange Rates Liabilities Arising From Financing Activities
IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities
|
53000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease Through Effect Of Changes In Foreign Exchange Rates Liabilities Arising From Financing Activities
IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities
|
78000000 | gbp |
| CY2022Q4 | ifrs-full |
Lease Liabilities
LeaseLiabilities
|
1216000000 | gbp |
| CY2021Q4 | ifrs-full |
Lease Liabilities
LeaseLiabilities
|
1317000000 | gbp |
| CY2022Q4 | ifrs-full |
Gross Lease Liabilities
GrossLeaseLiabilities
|
1500000000 | gbp |
| CY2021Q4 | ifrs-full |
Gross Lease Liabilities
GrossLeaseLiabilities
|
1639000000 | gbp |
| CY2022Q4 | bcs |
Number Of Leases With Variable Lease Payment Terms
NumberOfLeasesWithVariableLeasePaymentTerms
|
401 | lease |
| CY2021Q4 | bcs |
Number Of Leases With Variable Lease Payment Terms
NumberOfLeasesWithVariableLeasePaymentTerms
|
609 | lease |
| CY2022Q4 | bcs |
Number Of Leases
NumberOfLeases
|
896 | lease |
| CY2021Q4 | bcs |
Number Of Leases
NumberOfLeases
|
1111 | lease |
| CY2022 | ifrs-full |
Expense Relating To Variable Lease Payments Not Included In Measurement Of Lease Liabilities
ExpenseRelatingToVariableLeasePaymentsNotIncludedInMeasurementOfLeaseLiabilities
|
1087000000 | gbp |
| CY2021 | ifrs-full |
Expense Relating To Variable Lease Payments Not Included In Measurement Of Lease Liabilities
ExpenseRelatingToVariableLeasePaymentsNotIncludedInMeasurementOfLeaseLiabilities
|
1196000000 | gbp |
| CY2022 | bcs |
Extension And Termination Options Reasonably Certain To Be Exercised
ExtensionAndTerminationOptionsReasonablyCertainToBeExercised
|
516000000 | gbp |
| CY2021 | bcs |
Extension And Termination Options Reasonably Certain To Be Exercised
ExtensionAndTerminationOptionsReasonablyCertainToBeExercised
|
434000000 | gbp |
| CY2022 | ifrs-full |
Gains Losses Arising From Sale And Leaseback Transactions
GainsLossesArisingFromSaleAndLeasebackTransactions
|
88000000 | gbp |
| CY2021 | ifrs-full |
Gains Losses Arising From Sale And Leaseback Transactions
GainsLossesArisingFromSaleAndLeasebackTransactions
|
33000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Intangible Assets And Goodwill Explanatory
DisclosureOfIntangibleAssetsAndGoodwillExplanatory
|
Goodwill and intangible assets<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for goodwill and intangible assets</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Goodwill</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The carrying value of goodwill is determined in accordance with IFRS 3 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Business Combinations</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> and IAS 36 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Impairment of Assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Goodwill arising on the acquisition of subsidiaries represents the excess of the fair value of the purchase consideration over the fair value of the Group’s share of the assets acquired and the liabilities and contingent liabilities assumed on the date of the acquisition.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Goodwill is reviewed annually for impairment, or more frequently when there are indications that impairment may have occurred. The test involves comparing the carrying value of a cash generating unit (CGU) including goodwill with the present value of the pre-tax cash flows, discounted at a rate of interest that reflects the inherent risks, of the CGU to which the goodwill relates, or the CGU's fair value if this is higher.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Intangible assets</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intangible assets other than goodwill are accounted for in accordance with IAS 38 Intangible Assets.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intangible assets are initially recognised when they are separable or arise from contractual or other legal rights, the cost can be measured reliably and, in the case of intangible assets not acquired in a business combination, where it is probable that future economic benefits attributable to the assets will flow from their use.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For internally generated intangible assets, only costs incurred during the development phase are capitalised. Expenditure in the research phase is expensed when it is incurred.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intangible assets are stated at cost (which is, in the case of assets acquired in a business combination, the acquisition date fair value) less accumulated amortisation and impairment, if any, and are amortised over their useful lives in a manner that reflects the pattern to which they contribute to future cash flows, generally using the amortisation periods set out below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.576%"><tr><td style="width:1.0%"/><td style="width:68.272%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:29.528%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annual rates in calculating amortisation</span></td><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation period</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Goodwill </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Not amortised </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Internally generated software</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">a</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 6 years</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other software </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 6 years</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Customer lists </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 25 years</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Licences and other</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 25 years</span></div></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Exceptions to the above rate relate to useful lives of certain core banking platforms that are assessed individually and, if appropriate, amortised over longer periods ranging from 10 to 15 years.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intangible assets are reviewed for impairment when there are indications that impairment may have occurred. Intangible assets not yet available for use are reviewed annually for impairment.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Internally <br/>generated <br/>software</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other <br/>software</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Customer <br/>lists</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Licences <br/>and other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost </span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,718 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,180 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">626 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,431 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">908 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,863 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,047 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,160 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(774)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(861)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">460 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,737 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,627 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">620 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,654 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">984 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,622 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated amortisation and impairment</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(825)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,884)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(364)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,300)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(429)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,802)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">774 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">861 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation charge</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(946)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(69)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,109)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment charge</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(121)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(143)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(315)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(825)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,195)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(385)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,475)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(503)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,383)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net book value</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,912 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,432 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">235 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">481 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,239 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,716 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,247 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">639 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,419 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,511 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">842 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">407 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(894)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(917)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,718 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,180 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">626 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,431 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">908 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,863 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated amortisation and impairment</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(825)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,779)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(328)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,252)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(379)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,563)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">917 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation charge</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(867)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(998)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment charge</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(127)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(127)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(825)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,884)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(364)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,300)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(429)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,802)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net book value</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,893 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,296 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">479 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,061 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Disposals pertain to fully amortised assets which are not in use.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Goodwill</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Goodwill and Intangible assets are allocated to business operations according to business segments as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:31.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.013%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Intangibles</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Intangibles</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,560 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,263 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,823 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,560 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,233 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,793 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">310 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,062 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,372 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,930 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,221 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,912 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,327 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,239 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,893 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,168 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,061 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i869ab5b3a4114390b62e9b3cc590cb03_11737"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Goodwill</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Testing goodwill for impairment involves a significant amount of judgement. Goodwill is allocated to CGUs for the purpose of impairment testing. The review of goodwill for impairment involves calculating a value in use (VIU) valuation which is compared to the carrying value of a CGU associated with the goodwill to determine whether any impairment has occurred. This includes the identification of independent CGUs across the organisation and the allocation of goodwill to those CGUs. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The calculation of a value in use contains a high degree of uncertainty in estimating the future cash flows and the rates used to discount them. Key judgements include determining the carrying value of the CGU, the cash flows and discount rates used in the calculation. </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The cash flow forecasts used by management involve judgement and are based upon a view of the future prospects of the business and market conditions at the point in time the assessment is prepared. The estimation of cash flows is sensitive to the periods for which detailed forecasts are available and to assumptions regarding long-term sustainable cash flows</span><span style="background-color:#ffffff;color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The discount rates applied to the future cash flows also involve judgement as they can have a significant impact on the valuation. The discount rates used are compared to market participants to ensure that they are appropriate and based on an estimated cost of equity for each CGU. </span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The choice of a terminal growth rate used to determine the present value of the future cash flows of the CGUs is also a judgement that can impact the outcome of the assessment. The terminal growth rate and discount rates used may vary due to external market rates and economic conditions that are beyond management’s control, including the potential effect of climate change</span><span style="background-color:#ffffff;color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Further details of some of the key judgements are set out below. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">2022 impairment review</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The 2022 impairment review was performed during Q4 2022. In comparison to the prior year, there is an expectation of an increasing interest rate environment which would impact favourably on the Barclays UK CGUs. A detailed assessment has been performed, with the approach and results of this analysis set out below.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Determining the carrying value of CGUs</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The carrying value for each CGU is the sum of the tangible equity, goodwill and intangible asset balances associated with that CGU.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group manages the assets and liabilities of its CGUs with reference to the tangible equity of the respective businesses. That tangible equity is derived from the level of risk weighted assets (RWAs) and capital required to be deployed in the CGU and therefore reflects its relative risk, as well as the level of capital that management consider a market participant would be required to hold and retain to support business growth. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The goodwill held across the Group has been allocated to the CGU where it originated, based upon historical records. The intangible asset balances are allocated to the CGUs based upon their expected usage of these assets. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Cash flows</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The five-year cash flows used in the calculation are based on the formally agreed medium-term plans approved by the Board. These are prepared using macroeconomic assumptions which management consider reasonable and supportable, and reflect business agreed initiatives for the forecast period. The macroeconomic assumptions underpinning the medium term plan were determined in August 2022 and management has considered whether there are subsequent significant changes in those assumptions which would adversely impact the results of the impairment review.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As required by IAS 36, all estimates of future cash flows exclude cash inflows or outflows that are expected to arise from restructuring initiatives where a constructive obligation to carry out the plan does not yet exist. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In line with prior year treatment, the Education, Social Housing and Local Authority (ESHLA) portfolio has been excluded from the Business Banking CGU cash flows. This is a legacy loan portfolio which was previously within the Non-Core bank and was not part of the business to which the goodwill relates. As such, the cash flows relating to this portfolio have been excluded from the Business Banking VIU calculation. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Discount rates</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IAS 36 requires that the discount rate used in a value in use calculation reflects the pre-tax rate an investor would require if they were to choose an investment that would generate similar cash flows to those that the entity expects to generate from the asset. In determining the discount rate, management have in previous years identified the cost of equity associated with market participants that closely resemble the Group's CGUs and adjusted them for tax to arrive at the pre-tax equivalent rate. This method assumed a static rate of tax that was applicable to the pre-tax cash flows of the CGU. The cost of equity without adjusting for the tax rate has been used as the discount rate in the 2022 impairment assessment and applied to the post tax cash flows of the CGU. This post-tax method incorporates the impact of changing tax rates on the cash flows and is expected to produce the same VIU result as the pre-tax method adjusted for varying tax rates. Using the resultant VIU the equivalent pre-tax discount rate has been calculated. The range of equivalent pre-tax discount rates applicable across the CGUs range from 14.1% to 16.5% (2021: 12.5% to 15.1%). </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Terminal growth rate</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The terminal growth rate is used to estimate the effect of projecting cash flows to the end of an asset’s useful economic life. It is management’s judgement that the cash flows associated with the CGUs will grow in line with the major economies in which the Group operates. Inflation rates are used as an approximation of future growth rates and form the basis of the terminal growth rates applied. The terminal growth rate used is 2.0% (2021: 2.0%).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Outcome of goodwill and intangibles review</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Personal Banking and Business Banking CGUs carry the majority of the Group’s goodwill balance, predominantly as a consequence of the Woolwich acquisition. The goodwill within Personal Banking was £2,752m (2021: £2,752m), of which £2,501m (2021: £2,501m) was attributable to Woolwich, and within Business Banking was £629m (2021: £629m), fully attributable to Woolwich. The recoverable amount for both Personal Banking and Business Banking have increased in comparison to the 2021 impairment review, reflective of improvements in the interest rate and macroeconomic outlook.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The largest portion of the Group’s intangible assets sit within the Cards and Payments CGU, part of Barclays International with an allocation of £1,531m (2021: £1,351m). </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Based on management’s plans and assumptions the value in use exceeds the carrying value of the CGUs and no impairment has been indicated. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The outcome of the impairment review for Personal Banking, Business Banking and Cards and Payments are set out below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.682%"><tr><td style="width:1.0%"/><td style="width:21.006%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.032%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash generating unit</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Tangible equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Intangibles</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value in use</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value in use exceeding carrying value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value in use exceeding carrying value 2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Personal Banking</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,091 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,752 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">928 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,771 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,438 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,667 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,489 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business Banking</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,549 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">629 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,394 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,017 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,623 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,623 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cards and Payments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,780 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,531 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,540 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,138 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,598 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,025 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,420 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,610 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,675 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,705 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,593 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,888 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,137 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Sensitivity of key judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The CGUs are sensitive to possible adverse changes in the key assumptions that support the recoverable amount:</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Cash flows: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The medium-term plans used to determine the cash flows used in the VIU calculation rely on macroeconomic forecasts, including interest rates, GDP and unemployment, and forecast levels of market and client activity. Interest rate assumptions impact planned cash flows from both customer income and structural hedge contributions and therefore cash flow expectations are highly sensitive to movements in the yield curve. The cash flows also contain assumptions with regard to the prudential and financial conduct regulatory environment which may be subject to change. Given the current level of economic uncertainty, a 10% reduction in cash flows has been provided to show the sensitivity of the outcome to a change in these key assumptions. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Discount rate:</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> The discount rate should reflect the market risk-free rate adjusted for the inherent risks of the business it is applied to. Management have identified discount rates for comparable businesses and consider these to be a reasonable estimate of a suitable market rate for the profile of the business unit being tested. The risk that these discount rates may not be appropriate is quantified below and shows the impact of a 100 bps change in the discount rate. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Terminal growth rate: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The terminal growth rate is used to estimate the cash flows into perpetuity based on the expected longevity of the CGUs' businesses. The terminal growth rate is sensitive to uncertainties in the macroeconomic environment. The risk that using inflation data may not be appropriate for its determination is quantified below and shows the impact of 100 bps change in the terminal growth rate. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Allocated capital rate: </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tangible equity is allocated based on the level of risk weighted assets (RWAs) and capital required to be deployed in the CGU which is dependent on the relative risk of businesses. The capital ratio used in determining the level of tangible equity allocated to the CGU and its capital cash flows could move over time. The impact of a 50bps increase in capital ratio is quantified below.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The sensitivity of the value in use to key judgements in the calculations is set out below: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:14.432%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.852%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.408%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.817%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.852%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.817%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash generating unit</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value in use</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value in use exceeding carrying value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Terminal growth rate</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Reduction in headroom</span></td><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change required to reduce headroom to zero</span></td></tr><tr style="height:45pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100 bps increase in the discount rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100 bps decrease in terminal growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50 bps increase to allocated capital rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10% reduction in forecasted cash flows</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Terminal growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allocated capital rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash flows</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Personal Banking</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,771 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,438 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,667 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.5 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(944)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(596)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(279)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,493)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14.8)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31.3)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cards and Payments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,540 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,138 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,598 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(724)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(515)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,005)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15.9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,311 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,576 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,265 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/></tr></table></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Intangible Assets And Goodwill Explanatory
DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for goodwill and intangible assets</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Goodwill</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The carrying value of goodwill is determined in accordance with IFRS 3 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Business Combinations</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> and IAS 36 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Impairment of Assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Goodwill arising on the acquisition of subsidiaries represents the excess of the fair value of the purchase consideration over the fair value of the Group’s share of the assets acquired and the liabilities and contingent liabilities assumed on the date of the acquisition.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Goodwill is reviewed annually for impairment, or more frequently when there are indications that impairment may have occurred. The test involves comparing the carrying value of a cash generating unit (CGU) including goodwill with the present value of the pre-tax cash flows, discounted at a rate of interest that reflects the inherent risks, of the CGU to which the goodwill relates, or the CGU's fair value if this is higher.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Intangible assets</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intangible assets other than goodwill are accounted for in accordance with IAS 38 Intangible Assets.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intangible assets are initially recognised when they are separable or arise from contractual or other legal rights, the cost can be measured reliably and, in the case of intangible assets not acquired in a business combination, where it is probable that future economic benefits attributable to the assets will flow from their use.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For internally generated intangible assets, only costs incurred during the development phase are capitalised. Expenditure in the research phase is expensed when it is incurred.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intangible assets are stated at cost (which is, in the case of assets acquired in a business combination, the acquisition date fair value) less accumulated amortisation and impairment, if any, and are amortised over their useful lives in a manner that reflects the pattern to which they contribute to future cash flows, generally using the amortisation periods set out below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.576%"><tr><td style="width:1.0%"/><td style="width:68.272%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:29.528%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annual rates in calculating amortisation</span></td><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation period</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Goodwill </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Not amortised </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Internally generated software</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">a</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 6 years</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other software </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 6 years</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Customer lists </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 25 years</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Licences and other</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 25 years</span></div></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Exceptions to the above rate relate to useful lives of certain core banking platforms that are assessed individually and, if appropriate, amortised over longer periods ranging from 10 to 15 years.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intangible assets are reviewed for impairment when there are indications that impairment may have occurred. Intangible assets not yet available for use are reviewed annually for impairment.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Detailed Information About Intangible Assets Explanatory
DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory
|
<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.576%"><tr><td style="width:1.0%"/><td style="width:68.272%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:29.528%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annual rates in calculating amortisation</span></td><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation period</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Goodwill </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Not amortised </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Internally generated software</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">a</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 6 years</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other software </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 6 years</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Customer lists </span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 25 years</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Licences and other</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">12 months to 25 years</span></div></td></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Exceptions to the above rate relate to useful lives of certain core banking platforms that are assessed individually and, if appropriate, amortised over longer periods ranging from 10 to 15 years.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Intangible Assets Explanatory
DisclosureOfIntangibleAssetsExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Internally <br/>generated <br/>software</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other <br/>software</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Customer <br/>lists</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Licences <br/>and other</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost </span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,718 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,180 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">626 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,431 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">908 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,863 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,047 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,160 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(774)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(39)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(861)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">460 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,737 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,627 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">620 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,654 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">984 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,622 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated amortisation and impairment</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(825)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,884)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(364)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,300)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(429)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,802)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">774 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">861 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation charge</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(946)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(69)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,109)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment charge</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(121)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(143)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(315)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(825)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,195)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(385)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,475)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(503)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,383)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net book value</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,912 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,432 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">235 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">481 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,239 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,716 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,247 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">639 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,419 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,511 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">842 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">407 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,255 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(894)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(917)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,718 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,180 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">626 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,431 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">908 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,863 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated amortisation and impairment</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(825)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,779)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(328)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,252)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(379)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,563)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">917 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation charge</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(867)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(998)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment charge</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(127)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(127)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(825)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,884)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(364)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,300)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(429)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,802)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net book value</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,893 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,296 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">479 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,061 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022Q4 | ifrs-full |
Intangible Assets And Goodwill
IntangibleAssetsAndGoodwill
|
8239000000 | gbp |
| CY2021Q4 | ifrs-full |
Intangible Assets And Goodwill
IntangibleAssetsAndGoodwill
|
8061000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Goodwill Explanatory
DisclosureOfGoodwillExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Goodwill and Intangible assets are allocated to business operations according to business segments as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:31.492%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.540%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.013%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Intangibles</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Intangibles</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays UK</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,560 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,263 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,823 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,560 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,233 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,793 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays International</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">310 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,062 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,372 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,930 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,221 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Head Office</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,912 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,327 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,239 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,893 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,168 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,061 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022Q4 | ifrs-full |
Goodwill
Goodwill
|
3912000000 | gbp |
| CY2022Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
4327000000 | gbp |
| CY2022Q4 | ifrs-full |
Intangible Assets And Goodwill
IntangibleAssetsAndGoodwill
|
8239000000 | gbp |
| CY2021Q4 | ifrs-full |
Goodwill
Goodwill
|
3893000000 | gbp |
| CY2022Q4 | ifrs-full |
Liabilities Included In Disposal Groups Classified As Held For Sale
LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale
|
0 | gbp |
| CY2021Q4 | ifrs-full |
Intangible Assets Other Than Goodwill
IntangibleAssetsOtherThanGoodwill
|
4168000000 | gbp |
| CY2021Q4 | ifrs-full |
Intangible Assets And Goodwill
IntangibleAssetsAndGoodwill
|
8061000000 | gbp |
| CY2022 | bcs |
Impairment Review Value In Use Forecast Period
ImpairmentReviewValueInUseForecastPeriod
|
P5Y | |
| CY2022 | ifrs-full |
Disclosure Of Information For Individual Asset Or Cashgenerating Unit With Significant Amount Of Goodwill Or Intangible Assets With Indefinite Useful Lives Explanatory
DisclosureOfInformationForIndividualAssetOrCashgeneratingUnitWithSignificantAmountOfGoodwillOrIntangibleAssetsWithIndefiniteUsefulLivesExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The outcome of the impairment review for Personal Banking, Business Banking and Cards and Payments are set out below:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.682%"><tr><td style="width:1.0%"/><td style="width:21.006%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.027%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.032%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash generating unit</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Tangible equity</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Goodwill</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Intangibles</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value in use</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value in use exceeding carrying value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value in use exceeding carrying value 2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Personal Banking</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,091 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,752 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">928 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,771 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,438 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,667 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,489 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Business Banking</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,549 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">629 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,394 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,017 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,623 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,623 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cards and Payments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,780 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,531 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,540 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,138 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,598 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,025 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,420 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,610 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,675 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,705 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,593 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,888 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,137 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The sensitivity of the value in use to key judgements in the calculations is set out below: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:14.432%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.852%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.408%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.817%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.556%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.852%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.296%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.817%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.270%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash generating unit</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value in use</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value in use exceeding carrying value</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Terminal growth rate</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Reduction in headroom</span></td><td colspan="12" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Change required to reduce headroom to zero</span></td></tr><tr style="height:45pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100 bps increase in the discount rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">100 bps decrease in terminal growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">50 bps increase to allocated capital rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">10% reduction in forecasted cash flows</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Terminal growth rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Allocated capital rate</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cash flows</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Personal Banking</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,771 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,438 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,667 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.5 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(944)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(596)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(279)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,493)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14.8)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31.3)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cards and Payments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,540 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,138 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,598 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(724)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(515)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(287)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,005)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15.9)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,311 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,576 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,265 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/></tr></table></div> | |
| CY2022 | ifrs-full |
Disclosure Of Other Liabilities Explanatory
DisclosureOfOtherLiabilitiesExplanatory
|
Other liabilities<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accruals and deferred income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,618 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,173 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other creditors</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,870 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Items in the course of collection due to other banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities (refer to Note 21)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,216 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,317 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities included in disposal groups classified as held for sale</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,789 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,505 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022 | ifrs-full |
Disclosure Of Accrued Expenses And Other Liabilities Explanatory
DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accruals and deferred income</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,618 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,173 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other creditors</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,870 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,793 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Items in the course of collection due to other banks</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities (refer to Note 21)</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,216 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,317 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities included in disposal groups classified as held for sale</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,789 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,505 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022Q4 | ifrs-full |
Accruals And Deferred Income Including Contract Liabilities
AccrualsAndDeferredIncomeIncludingContractLiabilities
|
4618000000 | gbp |
| CY2021Q4 | ifrs-full |
Accruals And Deferred Income Including Contract Liabilities
AccrualsAndDeferredIncomeIncludingContractLiabilities
|
4173000000 | gbp |
| CY2022Q4 | ifrs-full |
Other Payables
OtherPayables
|
7870000000 | gbp |
| CY2021Q4 | ifrs-full |
Other Payables
OtherPayables
|
4793000000 | gbp |
| CY2022Q4 | ifrs-full |
Items In Course Of Transmission To Other Banks
ItemsInCourseOfTransmissionToOtherBanks
|
85000000 | gbp |
| CY2021Q4 | ifrs-full |
Items In Course Of Transmission To Other Banks
ItemsInCourseOfTransmissionToOtherBanks
|
202000000 | gbp |
| CY2022Q4 | ifrs-full |
Liabilities Arising From Financing Activities
LiabilitiesArisingFromFinancingActivities
|
1216000000 | gbp |
| CY2021Q4 | ifrs-full |
Liabilities Arising From Financing Activities
LiabilitiesArisingFromFinancingActivities
|
1317000000 | gbp |
| CY2021Q4 | ifrs-full |
Liabilities Included In Disposal Groups Classified As Held For Sale
LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale
|
20000000 | gbp |
| CY2022Q4 | ifrs-full |
Other Liabilities
OtherLiabilities
|
13789000000 | gbp |
| CY2021Q4 | ifrs-full |
Other Liabilities
OtherLiabilities
|
10505000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Provisions Explanatory
DisclosureOfProvisionsExplanatory
|
Provisions<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for provisions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 37 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Provisions, Contingent Liabilities and Contingent Assets </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">in accounting for non-financial liabilities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions are recognised for present obligations arising as consequences of past events where it is more likely than not that a transfer of economic benefit will be necessary to settle the obligation, which can be reliably estimated. Provision is made for the anticipated cost of restructuring, including redundancy costs, when an obligation exists; for example, when the Group has a detailed formal plan for restructuring a business and has raised valid expectations in those affected by the restructuring by announcing its main features or starting to implement the plan.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The financial reporting of provisions involves a significant degree of judgement and is complex. Identifying whether a present obligation exists and estimating the probability, timing, nature and quantum of the outflows that may arise from past events requires judgements to be made based on the specific facts and circumstances relating to individual events and often requires specialist professional advice. When matters are at an early stage, accounting judgements and estimates can be difficult because of the high degree of uncertainty involved. Management continues to monitor matters as they develop to re-evaluate on an ongoing basis whether provisions should be recognised, however there can remain a wide range of possible outcomes and uncertainties, particularly in relation to legal, competition and regulatory matters, and as a result it is often not practicable to make meaningful estimates even when matters are at a more advanced stage. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The complexity of such matters often requires the input of specialist professional advice in making assessments to produce estimates. Customer redress and legal, competition and regulatory matters are areas where a higher degree of professional judgement is required. The amount that is recognised as a provision can also be very sensitive to the assumptions made in calculating it. This gives rise to a large range of potential outcomes which require judgement in determining an appropriate provision level. See Note 26 for more detail of legal, competition and regulatory matters.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:41.168%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.150%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Undrawn contractually committed facilities and guarantees</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Legal, competition and regulatory matters</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sundry<br/>provisions</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Onerous contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Redundancy and restructuring</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Customer redress</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">530 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">226 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">279 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,908 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,184 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">462 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,988 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts utilised</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(186)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,393)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(557)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(60)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,198)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unused amounts reversed</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(88)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(94)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(392)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">583 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">378 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,544 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Undrawn contractually committed facilities and guarantees provisions are accounted for under IFRS 9.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions expected to be recovered or settled within no more than 12 months after 31 December 2022 were £1,348m (2021: £1,754m).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Onerous contracts</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Onerous contract provisions comprise an estimate of unavoidable costs involved with fulfilling the terms and conditions of contracts net of any expected benefits to be received.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Redundancy and restructuring</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">These provisions comprise the estimated cost of restructuring, including redundancy costs where an obligation exists. Additions made during the year relate to formal restructuring plans and have either been utilised, or reversed where total costs are now expected to be lower than the original provision amount.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Undrawn contractually committed facilities and guarantees</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Impairment allowance under IFRS 9 considers both the drawn and the undrawn counterparty exposure. For retail portfolios, the total impairment allowance is allocated to the drawn exposure to the extent that the allowance does not exceed the exposure as ECL is not reported separately. Any excess is reported on the liability side of the balance sheet as a provision. For wholesale portfolios, the impairment allowance on the undrawn exposure is reported on the liability side of the balance sheet as a provision. For further information, refer to the Credit risk section for loan commitments and financial guarantees on page <a href="#i71905e25e6934d519e4c69feac849fcb_724" style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">230</a>.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Customer redress</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Customer redress provisions comprise the estimated cost of making redress payments to customers, clients and counterparties for losses or damages associated with inappropriate judgement in the execution of the Group’s business activities. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Legal, competition and regulatory matters</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group is engaged in various legal proceedings, both in the UK and a number of other overseas jurisdictions, including the US. For further information in relation to legal proceedings and discussion of the associated uncertainties, refer to Note 26. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Sundry provisions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">This category includes provisions that do not fit into any of the other categories, such as fraud losses and dilapidation provisions.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Provisions Explanatory
DescriptionOfAccountingPolicyForProvisionsExplanatory
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<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for provisions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 37 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Provisions, Contingent Liabilities and Contingent Assets </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">in accounting for non-financial liabilities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions are recognised for present obligations arising as consequences of past events where it is more likely than not that a transfer of economic benefit will be necessary to settle the obligation, which can be reliably estimated. Provision is made for the anticipated cost of restructuring, including redundancy costs, when an obligation exists; for example, when the Group has a detailed formal plan for restructuring a business and has raised valid expectations in those affected by the restructuring by announcing its main features or starting to implement the plan.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The financial reporting of provisions involves a significant degree of judgement and is complex. Identifying whether a present obligation exists and estimating the probability, timing, nature and quantum of the outflows that may arise from past events requires judgements to be made based on the specific facts and circumstances relating to individual events and often requires specialist professional advice. When matters are at an early stage, accounting judgements and estimates can be difficult because of the high degree of uncertainty involved. Management continues to monitor matters as they develop to re-evaluate on an ongoing basis whether provisions should be recognised, however there can remain a wide range of possible outcomes and uncertainties, particularly in relation to legal, competition and regulatory matters, and as a result it is often not practicable to make meaningful estimates even when matters are at a more advanced stage. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The complexity of such matters often requires the input of specialist professional advice in making assessments to produce estimates. Customer redress and legal, competition and regulatory matters are areas where a higher degree of professional judgement is required. The amount that is recognised as a provision can also be very sensitive to the assumptions made in calculating it. This gives rise to a large range of potential outcomes which require judgement in determining an appropriate provision level. See Note 26 for more detail of legal, competition and regulatory matters.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Other Provisions Explanatory
DisclosureOfOtherProvisionsExplanatory
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<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:41.168%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.147%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.150%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Undrawn contractually committed facilities and guarantees</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Legal, competition and regulatory matters</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Sundry<br/>provisions</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:24pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Onerous contracts</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Redundancy and restructuring</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Customer redress</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">326 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">530 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">226 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">279 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,908 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">145 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,184 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">462 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,988 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts utilised</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(186)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,393)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(557)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(60)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,198)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unused amounts reversed</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(88)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(94)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(392)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">583 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">378 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,544 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Undrawn contractually committed facilities and guarantees provisions are accounted for under IFRS 9.</span></div> | |
| CY2021Q4 | ifrs-full |
Provisions
Provisions
|
1908000000 | gbp |
| CY2022 | ifrs-full |
Additional Provisions Other Provisions
AdditionalProvisionsOtherProvisions
|
1988000000 | gbp |
| CY2022 | ifrs-full |
Provision Used Other Provisions
ProvisionUsedOtherProvisions
|
2198000000 | gbp |
| CY2022 | ifrs-full |
Unused Provision Reversed Other Provisions
UnusedProvisionReversedOtherProvisions
|
392000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease Through Net Exchange Differences Other Provisions
IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions
|
238000000 | gbp |
| CY2022Q4 | ifrs-full |
Provisions
Provisions
|
1544000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Commitments And Contingent Liabilities Explanatory
DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory
|
Contingent liabilities and commitments<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for contingent liabilities </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Contingent liabilities are possible obligations whose existence will be confirmed only by uncertain future events and present obligations where the transfer of economic resources is uncertain or cannot be reliably measured. Contingent liabilities are not recognised on the balance sheet but are disclosed unless the likelihood of an outflow of economic resources is remote.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table summarises the nominal principal amount of contingent liabilities and commitments which are not recorded on-balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guarantees and letters of credit pledged as collateral security</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,760 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,549 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performance guarantees, acceptances and endorsements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,445 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,797 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total contingent liabilities and financial guarantees</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,205 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,346 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 10pt;text-align:left;text-indent:-9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Of which: Financial guarantees carried at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,423 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Documentary credits and other short-term trade related transactions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,748 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,584 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Standby facilities, credit lines and other commitments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393,760 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">344,127 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total commitments</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">395,508 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345,711 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 10pt;text-align:left;text-indent:-9pt;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Of which: Loan commitments carried at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,471 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,571 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Provisions for expected credit losses held against contingent liabilities and commitments equal £583m (2021: £542m) and are reported in Note 24. Further details on contingent liabilities relating to legal and competition and regulatory matters can be found in Note 26.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Contingent Liabilities And Contingent Assets Explanatory
DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for contingent liabilities </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Contingent liabilities are possible obligations whose existence will be confirmed only by uncertain future events and present obligations where the transfer of economic resources is uncertain or cannot be reliably measured. Contingent liabilities are not recognised on the balance sheet but are disclosed unless the likelihood of an outflow of economic resources is remote.</span></div> | |
| CY2022 | bcs |
Disclosure Of Legal Competition And Regulatory Matters Explanatory
DisclosureOfLegalCompetitionAndRegulatoryMattersExplanatory
|
Legal, competition and regulatory matters<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group faces legal, competition and regulatory challenges, many of which are beyond our control. The extent of the impact of these matters cannot always be predicted but may materially impact our operations, financial results, condition and prospects. Matters arising from a set of similar circumstances can give rise to either a contingent liability or a provision, or both, depending on the relevant facts and circumstances. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The recognition of provisions in relation to such matters involves critical accounting estimates and judgments in accordance with the relevant accounting policies applicable to Note 24, Provisions. We have not disclosed an estimate of the potential financial impact or effect on the Group of contingent liabilities where it is not currently practicable to do so. Various matters detailed in this note seek damages of an unspecified amount. While certain matters specify the damages claimed, such claimed amounts do not necessarily reflect the Group’s potential financial exposure in respect of those matters. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Matters are ordered under headings corresponding to the financial statements in which they are disclosed. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">1. Barclays PLC and Barclays Bank PLC</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Investigations into certain advisory services agreements</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">FCA proceedings</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2008, Barclays Bank PLC and Qatar Holdings LLC entered into two advisory service agreements (the Agreements). The Financial Conduct Authority (FCA) conducted an investigation into whether the Agreements may have related to Barclays PLC’s capital raisings in June and November 2008 (the Capital Raisings) and therefore should have been disclosed in the announcements or public documents relating to the Capital Raisings. In 2013, the FCA issued warning notices (the Warning Notices) finding that Barclays PLC and Barclays Bank PLC acted recklessly and in breach of certain disclosure-related listing rules, and that Barclays PLC was also in breach of Listing Principle 3. The financial penalty provided in the Warning Notices was £50m. Barclays PLC and Barclays Bank PLC contested the findings. In September 2022, the FCA’s Regulatory Decisions Committee (RDC) issued Decision Notices finding that Barclays PLC and Barclays Bank PLC breached certain disclosure-related listing rules. The RDC also found that in relation to the disclosures made in the Capital Raising of November 2008, Barclays PLC and Barclays Bank PLC acted recklessly, and that Barclays PLC breached Listing Principle 3. The RDC upheld the combined penalty of £50m on Barclays PLC and Barclays Bank PLC, the same penalty as in the Warning Notices. Barclays PLC and Barclays Bank PLC have referred the RDC’s findings to the Upper Tribunal for reconsideration. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Investigations into LIBOR and other benchmarks and related civil actions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Regulators and law enforcement agencies, including certain competition authorities, from a number of governments have conducted investigations relating to Barclays Bank PLC’s involvement in allegedly manipulating certain financial benchmarks, such as LIBOR. Various individuals and corporates in a range of jurisdictions have threatened or brought civil actions against the Group and other banks in relation to the alleged manipulation of LIBOR and/or other benchmarks. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">USD LIBOR civil actions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The majority of the USD LIBOR cases, which have been filed in various US jurisdictions, have been consolidated for pre-trial purposes in the US District Court in the Southern District of New York (SDNY). The complaints are substantially similar and allege, among other things, that Barclays PLC, Barclays Bank PLC, Barclays Capital Inc. (BCI) and other financial institutions individually and collectively violated provisions of the US Sherman Antitrust Act (Antitrust Act), the US Commodity Exchange Act (CEA), the US Racketeer Influenced and Corrupt Organizations Act (RICO), the US Securities Exchange Act of 1934 and various state laws by manipulating USD LIBOR rates.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Putative class actions and individual actions seek unspecified damages with the exception of one lawsuit, in which the plaintiffs are seeking no less than $100m in actual damages and additional punitive damages against all defendants, including Barclays Bank PLC. Some of the lawsuits also seek trebling of damages under the Antitrust Act and RICO. Barclays Bank PLC has previously settled certain claims. In 2022, Barclays Bank PLC also settled one further matter. The financial impact of the settlement is not material to the Group’s operating results, cash flows or financial position.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Sterling LIBOR civil actions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2016, two putative class actions filed in the SDNY against Barclays Bank PLC, BCI and other Sterling LIBOR panel banks alleging, among other things, that the defendants manipulated the Sterling LIBOR rate in violation of the Antitrust Act, CEA and RICO, were consolidated. The defendants’ motion to dismiss the claims was granted in 2018. The plaintiffs have appealed the dismissal.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Japanese Yen LIBOR civil actions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2012, a putative class action was filed in the SDNY against Barclays Bank PLC and other Japanese Yen LIBOR panel banks by a lead plaintiff involved in exchange-traded derivatives and members of the Japanese Bankers Association’s Euroyen Tokyo Interbank Offered Rate (Euroyen TIBOR) panel. The complaint alleges, among other things, manipulation of the Euroyen TIBOR and Yen LIBOR rates and breaches of the CEA and the Antitrust Act. In 2014, the court dismissed the plaintiff’s antitrust claims, and in 2020, the court dismissed the plaintiff’s remaining CEA claims. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2015, a second putative class action, making similar allegations to the above class action, was filed in the SDNY against Barclays PLC, Barclays Bank PLC and BCI. Barclays and the plaintiffs have reached a settlement of $17.75m for both actions. A final court approval hearing has been scheduled for March 2023. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">SIBOR/SOR civil action </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2016, a putative class action was filed in the SDNY against Barclays PLC, Barclays Bank PLC, BCI and other defendants, alleging manipulation of the Singapore Interbank Offered Rate (SIBOR) and Singapore Swap Offer Rate (SOR). The plaintiffs and remaining defendants (which includes Barclays Bank PLC) reached a joint settlement to resolve this matter for $91m, which received final court </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">approval in November 2022. This matter is now concluded. The financial impact of Barclays’ share of the joint settlement is not material to the Group’s operating results, cash flows or financial position. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">ICE LIBOR civil actions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2019, several putative class actions were filed in the SDNY against a panel of banks, including Barclays PLC, Barclays Bank PLC, BCI, other financial institution defendants and Intercontinental Exchange Inc. and certain of its affiliates (ICE), asserting antitrust claims that the defendants manipulated USD LIBOR through the defendants’ submissions to ICE. These actions have been consolidated. The defendants’ motion to dismiss was granted in 2020 and the plaintiffs appealed. In February 2022, the dismissal was affirmed on appeal. The plaintiffs did not seek US Supreme Court review. This matter is now concluded.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In August 2020, an ICE LIBOR-related action was filed by a group of individual plaintiffs in the US District Court for the Northern District of California on behalf of individual borrowers and consumers of loans and credit cards with variable interest rates linked to USD ICE LIBOR. The plaintiffs’ motion seeking, among other things, preliminary and permanent injunctions to enjoin the defendants from continuing to set LIBOR or enforce any financial instrument that relies in whole or in part on USD LIBOR was denied. The defendants’ motion to dismiss the case was granted in September 2022. The plaintiffs have filed an amended complaint, which the defendants have moved to dismiss.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Non-US benchmarks civil actions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There remains one claim, issued in 2017, against Barclays Bank PLC and other banks in the UK in connection with alleged manipulation of LIBOR. Proceedings have also been brought in a number of other jurisdictions in Europe, Argentina and Israel relating to alleged manipulation of LIBOR and EURIBOR. Additional proceedings in other jurisdictions may be brought in the future. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Credit Default Swap civil action</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A putative antitrust class action is pending in New Mexico federal court against Barclays Bank PLC, BCI and various other financial institutions. The plaintiffs, the New Mexico State Investment Council and certain New Mexico pension funds, allege that the defendants conspired to manipulate the benchmark price used to value Credit Default Swap (CDS) contracts at settlement (i.e. the CDS final auction price). The plaintiffs allege violations of US antitrust laws and the CEA, and unjust enrichment under state law. The defendants have moved to dismiss the case.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Foreign Exchange investigations and related civil actions </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group has been the subject of investigations in various jurisdictions in relation to certain sales and trading practices in the Foreign Exchange market. Settlements were reached in various jurisdictions in connection with these investigations, including the EU and US. The financial impact of any remaining ongoing investigations is not expected to be material to the Group’s operating results, cash flows or financial position. Various individuals and corporates in a range of jurisdictions have threatened or brought civil actions against the Group and other banks in relation to alleged manipulation of Foreign Exchange markets. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">US FX opt out civil action </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2018, Barclays Bank PLC and BCI settled a consolidated action filed in the SDNY, alleging manipulation of Foreign Exchange markets (Consolidated FX Action), for a total amount of $384m. Also in 2018, a group of plaintiffs, who opted out of the Consolidated FX Action, filed a complaint in the SDNY against Barclays PLC, Barclays Bank PLC, BCI and other defendants. Some of the plaintiffs’ claims were dismissed in 2020. Barclays PLC, Barclays Bank PLC, and BCI have reached a settlement in principle of all claims against them in the matter. The financial impact of this settlement is not material to the Group’s operating results, cash flows or financial position.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">US retail basis civil action </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2015, a putative class action was filed against several international banks, including Barclays PLC and BCI, on behalf of a proposed class of individuals who exchanged currencies on a retail basis at bank branches (Retail Basis Claims). The SDNY has ruled that the Retail Basis Claims are not covered by the settlement agreement in the Consolidated FX Action. The Court subsequently dismissed all Retail Basis Claims against the Group and all other defendants. The plaintiffs have filed an amended complaint.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Non-US FX civil actions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Legal proceedings have been brought or are threatened against Barclays PLC, Barclays Bank PLC, BCI and Barclays Execution Services Limited (BX) in connection with alleged manipulation of Foreign Exchange in the UK, a number of other jurisdictions in Europe, Israel, Brazil and Australia. Additional proceedings may be brought in the future.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The above-mentioned proceedings include two purported class actions filed against Barclays PLC, Barclays Bank PLC, BX, BCI and other financial institutions in the UK Competition Appeal Tribunal (CAT) in 2019. The CAT refused to certify these claims in the first quarter of 2022 although the claimants have obtained permission to appeal and judicially review the CAT’s decisions. Also in 2019, a separate claim was filed in the UK in the High Court of Justice (High Court), and subsequently transferred to the CAT, by various banks and asset management firms against Barclays Bank PLC and other financial institutions alleging breaches of European and UK competition laws related to FX trading. This claim has been settled as part of the settlement in principle referred to under the US FX opt out civil action above.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Metals-related civil actions </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A number of US civil complaints, each on behalf of a proposed class of plaintiffs, have been consolidated and transferred to the SDNY. The complaints allege that Barclays Bank PLC and other members of The London Gold Market Fixing Ltd. manipulated the prices of gold and gold derivative contracts in violation of the Antitrust Act and other federal laws. The parties reached a joint settlement to resolve this matter for $50m. The settlement received final court approval in August 2022. This matter is now concluded. The financial impact of Barclays’ share of the joint settlement is not material to the Group’s operating results, cash flows or financial position. A separate US civil complaint by a proposed class of plaintiffs against a number of banks, including Barclays Bank PLC, BCI and BX, alleging </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">manipulation of the price of silver in violation of the CEA, the Antitrust Act and state antitrust and consumer protection laws, has been dismissed as against the Barclays entities. The plaintiffs have the option to seek the court’s permission to appeal.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Civil actions have also been filed in Canadian courts against Barclays PLC, Barclays Bank PLC, Barclays Capital Canada Inc. and BCI on behalf of proposed classes of plaintiffs alleging manipulation of gold and silver prices. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">US residential mortgage related civil actions </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There are two pending US Residential Mortgage-Backed Securities (RMBS) related civil actions arising from unresolved repurchase requests submitted by Trustees for certain RMBS, alleging breaches of various loan-level representations and warranties (R&Ws) made by Barclays Bank PLC and/or a subsidiary acquired in 2007. In one action, the Barclays defendants’ motion for summary judgment was granted in June 2022 and the plaintiffs’ R&W breach claim was dismissed. The plaintiffs are appealing the decision. The other repurchase action is pending. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays Bank PLC reached settlements to resolve two other repurchase actions, which have received final court approval. Payment of the settlement amounts was completed in July 2022. These matters are now concluded. The financial impact of the settlements is not material to the Group’s operating results, cash flows or financial position. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2020, a civil litigation claim was filed in the New Mexico First Judicial District Court by the State of New Mexico against six banks, including BCI, on behalf of two New Mexico state pension funds and the New Mexico State Investment Council relating to legacy RMBS purchases. As to BCI, the complaint alleges that the funds purchased approximately $22m in RMBS underwritten by BCI. The parties have reached a joint settlement to resolve this matter for $32.5m. The settlement was paid in April 2022. The financial impact of BCI’s share of the joint settlement is not material to the Group’s operating results, cash flows or financial position.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Government and agency securities civil actions </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Treasury auction securities civil actions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Consolidated putative class action complaints filed in US federal court against Barclays Bank PLC, BCI and other financial institutions under the Antitrust Act and state common law allege that the defendants (i) conspired to manipulate the US Treasury securities market and/or (ii) conspired to prevent the creation of certain platforms by boycotting or threatening to boycott such trading platforms. The court dismissed the consolidated action in March 2021. The plaintiffs filed an amended complaint. The defendants’ motion to dismiss the amended complaint was granted in March 2022. The plaintiffs are appealing this decision.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition, certain plaintiffs have filed a related, direct action against BCI and certain other financial institutions, alleging that defendants conspired to fix and manipulate the US Treasury securities market in violation of the Antitrust Act, the CEA and state common law.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Supranational, Sovereign and Agency bonds civil actions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Civil antitrust actions have been filed in the SDNY and Federal Court of Canada in Toronto against Barclays Bank PLC, BCI, BX, Barclays Capital Securities Limited and, with respect to the civil action filed in Canada only, Barclays Capital Canada, Inc. and other financial institutions alleging that the defendants conspired to fix prices and restrain competition in the market for US dollar-denominated Supranational, Sovereign and Agency bonds. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In one of the actions filed in the SDNY, the court granted the defendants’ motion to dismiss the plaintiffs’ complaint. The dismissal was affirmed on appeal; however, the district court subsequently informed the parties of a potential conflict. The matter was assigned to a new district court judge and the plaintiffs moved to vacate the dismissal order, which was denied. The plaintiffs’ time to appeal has expired and this matter is now concluded. The plaintiffs have voluntarily dismissed the other SDNY action. In the Federal Court of Canada action, the parties have reached a settlement in principle, which will require court approval. The financial impact of the settlement is not expected to be material to the Group’s operating results, cash flows or financial position. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:110%">Variable Rate Demand Obligations civil actions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Civil actions have been filed against Barclays Bank PLC and BCI and other financial institutions alleging the defendants conspired or colluded to artificially inflate interest rates set for Variable Rate Demand Obligations (VRDOs). VRDOs are municipal bonds with interest rates that reset on a periodic basis, most commonly weekly. Two actions in state court have been filed by private plaintiffs on behalf of the states of Illinois and California. Three putative class action complaints have been consolidated in the SDNY. In the consolidated SDNY class action, certain of the plaintiffs' claims were dismissed in November 2020 and June 2022. In the California action, the plaintiffs’ claims were dismissed in June 2021. The plaintiffs have appealed the dismissal. In the Illinois action, trial has been scheduled for August 2023.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Odd-lot corporate bonds antitrust class action</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2020, BCI, together with other financial institutions, were named as defendants in a putative class action. The complaint alleges a conspiracy to boycott developing electronic trading platforms for odd-lots and price fixing. The plaintiffs demand unspecified money damages. The defendants’ motion to dismiss was granted in 2021 and the plaintiffs have appealed the dismissal. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Interest rate swap and credit default swap US civil actions </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays PLC, Barclays Bank PLC and BCI, together with other financial institutions that act as market makers for interest rate swaps (IRS), are named as defendants in several antitrust class actions which were consolidated in the SDNY in 2016. The complaints allege the defendants conspired to prevent the development of exchanges for IRS and demand unspecified money damages. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2018, trueEX LLC filed an antitrust class action in the SDNY against a number of financial institutions including Barclays PLC, Barclays Bank PLC and BCI based on similar allegations with respect to trueEX LLC’s development of an IRS platform. In 2017, Tera Group Inc. filed a separate civil antitrust action in the SDNY claiming that certain conduct alleged in the IRS cases also caused the plaintiff to suffer harm with respect to the Credit Default Swaps market. In 2018 and 2019, respectively, the court dismissed certain claims in both cases for unjust enrichment and tortious interference but denied motions to dismiss the federal and state antitrust claims, which remain pending.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">BDC Finance L.L.C. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2008, BDC Finance L.L.C. (BDC) filed a complaint in the Supreme Court of the State of New York (NY Supreme Court), demanding damages of $298m, alleging that Barclays Bank PLC had breached a contract in connection with a portfolio of total return swaps governed by an ISDA Master Agreement (the Master Agreement). Following a trial, the court ruled in 2018 that Barclays Bank PLC was not a defaulting party, which was affirmed on appeal. In April 2021, the trial court entered judgement in favour of Barclays Bank PLC for $3.3m and as yet to be determined legal fees and costs. BDC appealed. In January 2022, the appellate court reversed the trial court’s summary judgment decision in favour of Barclays Bank PLC and remanded the case to the lower court for further proceedings. The parties have filed cross-motions on the scope of trial. The trial has been adjourned pending a decision on the motions and any subsequent appeal. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2011, BDC’s investment advisor, BDCM Fund Adviser, LLC and its parent company, Black Diamond Capital Holdings, LLC, also sued Barclays Bank PLC and BCI in Connecticut State Court for unspecified damages allegedly resulting from Barclays Bank PLC’s conduct relating to the Master Agreement, asserting claims for violation of the Connecticut Unfair Trade Practices Act and tortious interference with business and prospective business relations. This case is currently stayed.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Civil actions in respect of the US Anti-Terrorism Act </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There are a number of civil actions, on behalf of more than 4,000 plaintiffs, filed in US federal courts in the US District Court in the Eastern District of New York (EDNY) and SDNY against Barclays Bank PLC and a number of other banks. The complaints generally allege that Barclays Bank PLC and those banks engaged in a conspiracy to facilitate US dollar-denominated transactions for the Iranian Government and various Iranian banks, which in turn funded acts of terrorism that injured or killed the plaintiffs or the plaintiffs’ family members. The plaintiffs seek to recover damages for pain, suffering and mental anguish under the provisions of the US Anti-Terrorism Act, which allow for the trebling of any proven damages. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The court granted the defendants’ motions to dismiss three out of the six actions in the EDNY. The plaintiffs appealed in one action and the dismissal was affirmed in January 2023. The remaining EDNY actions are stayed. Out of the two actions in the SDNY, the court granted the defendants’ motion to dismiss the first action. That action is stayed, and the second SDNY action is stayed pending any appeal on the dismissal of the first.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Shareholder derivative action</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In November 2020, a purported Barclays shareholder filed a putative derivative action in New York state court against BCI and a number of current and former members of the Board of Directors of Barclays PLC and senior executives or employees of the Group. The shareholder filed the claim on behalf of nominal defendant Barclays PLC, alleging that the individual defendants harmed the company through breaches of their duties, including under the Companies Act 2006. The plaintiff seeks damages on behalf of Barclays PLC for the losses that Barclays PLC allegedly suffered as a result of these alleged breaches. An amended complaint was filed in April 2021, which BCI and certain other defendants moved to dismiss. The motion to dismiss was granted in April 2022. The plaintiff is appealing the decision.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Derivative transactions civil action</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2021, Vestia, a Dutch housing association, brought a claim against Barclays Bank PLC in the UK in the High Court in relation to a series of derivative transactions entered into with Barclays Bank PLC between 2008 and 2011, seeking damages of £329m. Barclays Bank PLC is defending the claim and has made a counterclaim.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Timeshare loans, skilled person review, and associated matters</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In August 2020, the FCA granted an application by Clydesdale Financial Services Limited (CFS), which trades as Barclays Partner Finance and houses Barclays’ point-of-sale finance business, for a validation order with respect to certain loans to customers brokered between April 2014 and April 2016 by Azure Services Limited (ASL), a timeshare operator, which did not, at the point of sale, hold the necessary broker licence. As a condition to the validation order, the FCA required CFS to undertake a skilled person review of the assessment of affordability processes for the loans brokered by ASL (ASL Loans) as well as CFS’ policies and procedures for assessing affordability and oversight of brokers more generally, and dictated a remediation methodology in the event that ASL Loans did not pass the affordability test. The skilled person made a number of observations, some of which were adverse, about both current and historic affordability practices as well as current oversight practices. CFS is not required to conduct a full back book review but, following a review of certain cohorts of loans to determine historic affordability and/or broker oversight practices that may have caused customer harm, where harm is identified, CFS’ intention is to remediate. To date, CFS has identified a number of areas for remediation, but the scoping exercise is ongoing and remediation will only begin once the scoping exercise is complete. As at 31 December 2022, CFS booked a provision in respect of the expected remediation for these matters of £10.4m. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Separately, and notwithstanding this, CFS decided in March 2022 to extend the proactive remediation of ASL Loans beyond those brokered between April 2014 and April 2016 to include the full portfolio of ASL Loans brokered between 2006 and 2018. In the first quarter of 2022, an additional customer remediation provision was recognised in relation to the remediation of the ASL Loans originated outside the April 2014 to April 2016 period. As at 31 December 2022, the provision recognised in relation to this matter by CFS is £183m. Remediation of the full portfolio of ASL Loans started in October 2022 and is expected to be completed in 2023.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition, CFS completed a review of all other legacy timeshare retailers during 2022. No concerns were identified in relation to the majority of those retailers, but where concerns were identified, CFS’ intention is to remediate. As at 31 December 2022, the provision recognised in relation to this matter by CFS is £96m. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Over-issuance of Securities in the US</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays Bank PLC maintains a US shelf registration statement with the US Securities and Exchange Commission (SEC) in order to issue securities to US investors. In May 2017, Barclays Bank PLC lost its status as a “well-known seasoned issuer” (or WKSI) as a result of an SEC settlement order involving BCI. Due to its loss of WKSI status, Barclays Bank PLC was required to register a specified amount of </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">securities to be issued under certain US shelf registration statements filed with the SEC. In March 2022, executive management became aware that Barclays Bank PLC had issued securities materially in excess of the set amount under its 2019 US shelf registration statement and subsequently became aware that securities had also been issued in excess of the set amount under the predecessor US shelf registration statement. The securities that were over-issued included structured notes and exchange traded notes (ETNs). Securities issued in excess of the amount registered were considered to be “unregistered securities” for the purposes of US securities laws, with certain purchasers of those securities having a right to recover, upon the tender of such security to Barclays Bank PLC, the consideration paid for such security with interest, less the amount of any income received, or to recover damages from Barclays Bank PLC if the purchaser sold the security at a loss (the Rescission Price). Barclays Bank PLC commenced its rescission offer on 1 August 2022, by which Barclays Bank PLC offered to repurchase the relevant affected securities for the Rescission Price (the Rescission Offer). The Rescission Offer expired on 12 September 2022.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In September 2022, the SEC announced the resolution of its investigation of Barclays PLC and Barclays Bank PLC relating to the over-issuance of securities by Barclays Bank PLC under certain of its US shelf registration statements. Pursuant to the terms of the resolution, Barclays PLC and Barclays Bank PLC paid in the fourth quarter of 2022 a combined penalty of $200m (£165m</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">), without admitting or denying the SEC’s findings. The SEC found that the independent Rescission Offer made by Barclays Bank PLC to holders of the relevant over-issued securities satisfied its requirements for disgorgement and related prejudgment interest.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group is engaged with, and responding to inquiries and requests for information from, various other regulators who may seek to impose fines, penalties and/or other sanctions as a result of this matter. Furthermore, Barclays Bank PLC and/or its affiliates may incur costs and liabilities in relation to private civil claims which have been filed and may face other potential private civil claims, class actions or other enforcement actions in relation to this matter. By way of example, in September 2022, a purported class action claim was filed in the US District Court in Manhattan seeking to hold Barclays PLC and former and current executives responsible for declines in the prices of its American depositary receipts, which the plaintiffs claim occurred as a result of alleged misstatements and omissions in its public disclosures; and in February 2023, a claim was brought in a New York federal court by holders of a series of ETNs alleging that Barclays’ failure to disclose that these ETNs were unregistered securities misled investors and that, as a result, Barclays is liable for the holders’ alleged losses following the suspension of further sales and issuances of such series of ETNs. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Following completion of the rescission offer on 12 September 2022, Barclays utilised a provision of £1,008m in settlement of valid structured note claims and paid a monetary penalty of $200m (£165m</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">) to the SEC. A contingent liability exists in relation to civil claims or any further enforcement actions taken against Barclays Bank PLC and/or its affiliates, but Barclays Bank PLC is unable to assess the likelihood of liabilities that may arise out of such claims or actions.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Any liabilities, claims or actions in connection with the over-issuance of securities under Barclays Bank PLC’s US shelf registration statements could have an adverse effect on the Group’s business, financial condition, results of operations and reputation as a frequent issuer in the securities markets.</span></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Exchange rate USD/GBP 1.22 as at 30 June 2022.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Investigation into the use of unapproved communications platforms </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In September 2022, the SEC and the Commodity Futures Trading Commission (CFTC) announced settlements with a number of financial institutions, including Barclays Bank PLC and BCI, of financial industry-wide investigations regarding compliance with record-keeping obligations in connection with business-related communications sent over unapproved electronic messaging platforms. The SEC and the CFTC found that Barclays Bank PLC and BCI failed to comply with their respective record-keeping rules, where such communications were sent or received by employees over electronic messaging platforms that had not been approved by the bank for business use by employees. As part of the settlement, in the third quarter of 2022, Barclays Bank PLC and BCI paid a combined $125m civil monetary penalty to the SEC and a $75m civil monetary penalty to the CFTC. There are also non-financial components to the settlements, including the retention of an independent compliance consultant and certain ongoing undertakings. This matter is now concluded.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">2. Barclays PLC, Barclays Bank PLC and Barclays Bank UK PLC</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">HM Revenue & Customs (HMRC) assessments concerning UK Value Added Tax</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2018, HMRC issued notices that have the effect of removing certain overseas subsidiaries that have operations in the UK from Barclays’ UK VAT group, in which group supplies between members are generally free from VAT. The notices have retrospective effect and correspond to assessments of £181m (inclusive of interest), of which Barclays would expect to attribute an amount of approximately £128m to Barclays Bank UK PLC and £53m to Barclays Bank PLC. HMRC’s decision has been appealed to the First Tier Tribunal (Tax Chamber).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Local authority civil actions concerning LIBOR </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Following settlement by Barclays Bank PLC of various governmental investigations concerning certain benchmark interest rate submissions referred to above in ‘Investigations into LIBOR and other benchmarks and related civil actions’, in the UK, certain local authorities brought claims in 2018 against Barclays Bank PLC and Barclays Bank UK PLC asserting that they entered into loans between 2006 and 2008 in reliance on misrepresentations made by Barclays Bank PLC in respect of its conduct in relation to LIBOR. Barclays Bank PLC and Barclays Bank UK PLC were successful in their applications to strike out the claims. The claims have been settled on terms such that the parties have agreed not to pursue these claims further and to bear their own costs. The financial impact of the settlements is not material to the Group's operating results, cash flows or financial position.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">FCA investigation into transaction monitoring</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The FCA has been investigating Barclays’ compliance with UK money laundering regulations and the FCA’s rules and Principles for Businesses in an investigation which is focussed on aspects of Barclays’ transaction monitoring in relation to certain business lines now in Barclays Bank UK PLC. Barclays has been co-operating with the investigation and responding to information requests.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">3. Barclays PLC</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Alternative trading systems</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2020, a claim was brought against Barclays PLC in the UK in the High Court by various shareholders regarding Barclays PLC’s share price based on the allegations contained within a complaint by the New York State Attorney General (NYAG) in 2014. Such claim was settled in 2016, as previously disclosed. The more recent claim seeks unquantified damages and Barclays is defending the claim. The NYAG complaint was filed against Barclays PLC and BCI in the NY Supreme Court alleging, among other things, that Barclays PLC and BCI engaged in fraud and deceptive practices in connection with LX, BCI’s SEC-registered alternative trading system. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">General</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group is engaged in various other legal, competition and regulatory matters in the UK, the US and a number of other overseas jurisdictions. It is subject to legal proceedings brought by and against the Group which arise in the ordinary course of business from time to time, including (but not limited to) disputes in relation to contracts, securities, debt collection, consumer credit, fraud, trusts, client assets, competition, data management and protection, intellectual property, money laundering, financial crime, employment, environmental and other statutory and common law issues.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group is also subject to enquiries and examinations, requests for information, audits, investigations and legal and other proceedings by regulators, governmental and other public bodies in connection with (but not limited to) consumer protection measures, compliance with legislation and regulation, wholesale trading activity and other areas of banking and business activities in which the Group is or has been engaged. The Group is cooperating with the relevant authorities and keeping all relevant agencies briefed as appropriate in relation to these matters and others described in this note on an ongoing basis.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At the present time, Barclays PLC does not expect the ultimate resolution of any of these other matters to have a material adverse effect on the Group’s financial position. However, in light of the uncertainties involved in such matters and the matters specifically described in this note, there can be no assurance that the outcome of a particular matter or matters (including formerly active matters or those matters arising after the date of this note) will not be material to Barclays PLC’s results, operations or cash flows for a particular period, depending on, among other things, the amount of the loss resulting from the matter(s) and the amount of profit otherwise reported for the reporting period.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Subordinated Liabilities Explanatory
DisclosureOfSubordinatedLiabilitiesExplanatory
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Subordinated liabilities<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for subordinated liabilities </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Subordinated liabilities are measured at amortised cost using the effective interest method under IFRS 9.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,759</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,341</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issuances</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,477</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,890</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Redemptions</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,679)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,807)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(134)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(665)</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,423</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,759</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Issuances of £1,477m comprise £1,000m GBP 8.407% Fixed Rate Resetting Subordinated Callable Notes, issued externally by Barclays PLC and £317m USD Floating Rate Notes, £89m ZAR Floating Rate Notes,£42m EUR Floating Rate Notes and £29m JPY Floating Rate Notes issued externally by Barclays subsidiaries.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Redemptions of £2,679m comprise £2,349m notes issued externally by Barclays Bank PLC, £175m USD Floating Rate Notes, £88m USD Fixed Rate Notes issued externally by Barclays subsidiaries and £67m GBP Undated Subordinated Loan Notes (secured) issued externally by a Barclays securitisation special purpose vehicle (SPV). £2,349m notes issued externally by Barclays Bank PLC comprise £1,275m USD 7.625% Fixed Rate Contingent Capital Notes, £838m EUR 6.625% Fixed Rate Subordinated Notes, £147m USD 6.86% Callable Perpetual Core Tier One Notes, £42m EUR Subordinated Floating Rate Notes, £35m GBP 5.3304% Step-up Callable Perpetual Reserve Capital Instruments and £12m GBP 6% Callable Perpetual Core Tier One Notes. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other movements predominantly comprise foreign exchange movements and fair value hedge adjustments.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Subordinated liabilities include accrued interest and comprise undated and dated subordinated liabilities as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">355 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dated subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,395 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,404 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,423 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,759 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">None of the Group’s subordinated liabilities are secured </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:56.631%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.076%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.948%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated subordinated liabilities</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Initial call date</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank PLC issued</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier One Notes (TONs)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6% Callable Perpetual Core Tier One Notes</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> b</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2032</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.86% Callable Perpetual Core Tier One Notes (USD 179m) </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2032</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">194 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reserve Capital Instruments (RCIs)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.3304% Step-up Callable Perpetual Reserve Capital Instruments </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2036</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated Notes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Junior Undated Floating Rate Notes (USD 38m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Any interest payment date</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays securitisation SPV issued</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated Subordinated Loan Notes (secured)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated Subordinated Loan Notes (secured) (GBP 67m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At any time</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total undated subordinated liabilities</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">355 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:6.05pt">Instrument values are disclosed to the nearest million.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:5.79pt">The GBP 6% Callable Perpetual Core Tier One Notes, USD 6.86% Callable Perpetual Core Tier One Notes and GBP 5.3304% Step-up Callable Perpetual Reserve Capital Instruments were redeemed by exercising a regulatory call option in 2022.</span></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Undated subordinated liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The undated subordinated liabilities that are issued by Barclays Bank PLC and its subsidiaries are for the development and expansion of the businesses and to strengthen the capital bases. The principal terms of such undated subordinated liabilities are described below:</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Junior Undated Floating Rate Notes</span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Junior Undated Floating Rate Notes rank behind the claims against Barclays Bank PLC of depositors and other unsecured unsubordinated creditors and holders of dated subordinated liabilities. The Junior Undated Floating Rate Notes are floating rate notes where rates are fixed periodically in advance based on the related market rate. The Junior Undated Floating Rate Notes are repayable at the option of Barclays Bank PLC, in whole, on any interest payment date. In addition, the Junior Undated Floating Rate Notes are repayable, at the option of Barclays Bank PLC in whole for certain tax reasons, on an interest payment date. There are no events of default except non-payment of principal or mandatory interest. Any repayments require the prior consent of the PRA. The Junior Undated Floating Rate Notes are non-convertible.</span></div><div style="margin-bottom:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dated subordinated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Initial call date</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maturity date</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays PLC issued</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2% Fixed Rate Subordinated Callable Notes (EUR 1,500m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,345 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.375% Fixed Rate Subordinated Notes (USD 1,250m) </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,013 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">974 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.75% Fixed Rate Resetting Subordinated Callable Notes (GBP 500m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2030</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">445 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.75% Fixed Rate Resetting Subordinated Callable Notes (SGD 200m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2030</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.20% Fixed Rate Subordinated Notes (USD 2,050m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,588 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,564 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.125% Fixed Rate Resetting Subordinated Callable Notes (EUR 1,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2031</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">795 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">833 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.836% Fixed Rate Subordinated Callable Notes (USD 2,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,554 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,564 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.407% Fixed Rate Resetting Subordinated Callable Notes (GBP 1,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2032</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,013 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.088% Fixed-to-Floating Rate Subordinated Callable Notes (USD 1,500m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2030</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,117 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,162 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.564% Fixed Rate Resetting Subordinated Callable Notes (USD 1,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2030</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2035</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">664 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">696 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.811% Fixed Rate Resetting Subordinated Callable Notes (USD 1,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2041</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2042</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">646 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">782 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank PLC issued</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated Floating Rate Notes (EUR 50m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.625% Fixed Rate Subordinated Notes (EUR 1,000m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">889 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.625% Contingent Capital Notes (USD 3,000m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,133 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated Floating Rate Notes (EUR 50m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.75% Fixed Rate Subordinated Notes</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">280 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">322 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.4% Reverse Dual Currency Subordinated Loan (JPY 15,000m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.33% Subordinated Notes </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2032</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated Floating Rate Notes (EUR 68m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2040</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External issuances by other subsidiaries</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2032</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">572 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total dated subordinated liabilities</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,395 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,404 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Dated subordinated liabilities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Dated subordinated liabilities are issued by Barclays PLC, Barclays Bank PLC and its subsidiaries for the development and expansion of their businesses and to strengthen their respective capital bases. The principal terms of the dated subordinated liabilities are described below:</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Subordination</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Dated subordinated liabilities issued by Barclays PLC ranks behind the claims against Barclays PLC of unsecured unsubordinated creditors but before the claims of the holders of its equity.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">All dated subordinated liabilities externally issued by Barclays Bank PLC rank behind the claims against Barclays Bank PLC of depositors and other unsecured unsubordinated creditors but before the claims of the undated subordinated liabilities and the holders of its equity. The dated subordinated liabilities externally issued by other subsidiaries are similarly subordinated as the external subordinated liabilities issued by Barclays Bank PLC.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Interest</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest on the Floating Rate Notes is fixed periodically in advance, based on the related market rates. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest on Fixed Rate Notes is set by reference to market rates at the time of issuance and fixed until maturity.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest on the 4.836% Fixed Rate Subordinated Callable Notes, 2% Fixed Rate Subordinated Callable Notes, 3.75% SGD Fixed Rate Resetting Subordinated Callable Notes, 3.75% GBP Fixed Rate Resetting Subordinated Callable Notes, 3.811% Fixed Rate Resetting Subordinated Callable notes, 1.125% Fixed Rate Resetting Subordinated Callable Notes, 3.564% Fixed Rate Resetting Subordinated Callable Notes, and the 8.407% Fixed Rate Resetting Subordinated Callable Notes are fixed until the call date. After the respective call dates, in the event that they are not redeemed, the interest rates will be reset and fixed until maturity based on a market rate. Interest on the 5.088% Fixed-to-Floating Rate Subordinated Callable Notes is fixed until the call date. After the call date, in the event that they are not redeemed, the interest rate will reset periodically in advance based on market rates.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Repayment</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Those subordinated liabilities with a call date are repayable at the option of the issuer on such call date in accordance with the conditions governing the respective debt obligations, some in whole or in part, and some only in whole. The remaining dated subordinated liabilities outstanding at 31 December 2022 are redeemable only on maturity, subject in particular cases to provisions allowing an early redemption in the event of certain changes in tax law, or to certain changes in legislation or regulations. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Any repayments prior to maturity require, in the case of Barclays PLC and Barclays Bank PLC, the prior consent of the PRA, or in the case of the overseas issues, the approval of the local regulator for that jurisdiction and of the PRA in certain circumstances.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There are no committed facilities in existence at the balance sheet date which permit the refinancing of debt beyond the date of maturity.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Borrowings Explanatory
DescriptionOfAccountingPolicyForBorrowingsExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for subordinated liabilities </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Subordinated liabilities are measured at amortised cost using the effective interest method under IFRS 9.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Detailed Information About Borrowings Explanatory
DisclosureOfDetailedInformationAboutBorrowingsExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,759</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,341</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issuances</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,477</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,890</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Redemptions</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,679)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,807)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(134)</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(665)</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,423</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,759</span></td></tr></table><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Subordinated liabilities include accrued interest and comprise undated and dated subordinated liabilities as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">355 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dated subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,395 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,404 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,423 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,759 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">None of the Group’s subordinated liabilities are secured </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:56.631%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.076%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.948%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.1pt"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated subordinated liabilities</span><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Initial call date</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank PLC issued</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tier One Notes (TONs)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6% Callable Perpetual Core Tier One Notes</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> b</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2032</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.86% Callable Perpetual Core Tier One Notes (USD 179m) </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2032</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">194 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reserve Capital Instruments (RCIs)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.3304% Step-up Callable Perpetual Reserve Capital Instruments </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2036</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated Notes</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Junior Undated Floating Rate Notes (USD 38m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Any interest payment date</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays securitisation SPV issued</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated Subordinated Loan Notes (secured)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated Subordinated Loan Notes (secured) (GBP 67m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At any time</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total undated subordinated liabilities</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">355 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:6.05pt">Instrument values are disclosed to the nearest million.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:5.79pt">The GBP 6% Callable Perpetual Core Tier One Notes, USD 6.86% Callable Perpetual Core Tier One Notes and GBP 5.3304% Step-up Callable Perpetual Reserve Capital Instruments were redeemed by exercising a regulatory call option in 2022.</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dated subordinated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Initial call date</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maturity date</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays PLC issued</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2% Fixed Rate Subordinated Callable Notes (EUR 1,500m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,345 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,283 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.375% Fixed Rate Subordinated Notes (USD 1,250m) </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,013 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">974 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.75% Fixed Rate Resetting Subordinated Callable Notes (GBP 500m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2030</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">445 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.75% Fixed Rate Resetting Subordinated Callable Notes (SGD 200m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2030</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.20% Fixed Rate Subordinated Notes (USD 2,050m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,588 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,564 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.125% Fixed Rate Resetting Subordinated Callable Notes (EUR 1,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2031</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">795 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">833 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.836% Fixed Rate Subordinated Callable Notes (USD 2,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,554 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,564 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.407% Fixed Rate Resetting Subordinated Callable Notes (GBP 1,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2032</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,013 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.088% Fixed-to-Floating Rate Subordinated Callable Notes (USD 1,500m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2030</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,117 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,162 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.564% Fixed Rate Resetting Subordinated Callable Notes (USD 1,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2030</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2035</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">664 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">696 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.811% Fixed Rate Resetting Subordinated Callable Notes (USD 1,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2041</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2042</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">646 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">782 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank PLC issued</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated Floating Rate Notes (EUR 50m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.625% Fixed Rate Subordinated Notes (EUR 1,000m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">889 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.625% Contingent Capital Notes (USD 3,000m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,133 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated Floating Rate Notes (EUR 50m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.75% Fixed Rate Subordinated Notes</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">280 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">322 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.4% Reverse Dual Currency Subordinated Loan (JPY 15,000m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.33% Subordinated Notes </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2032</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated Floating Rate Notes (EUR 68m)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2040</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External issuances by other subsidiaries</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2032</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">572 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total dated subordinated liabilities</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,395 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,404 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2021Q4 | ifrs-full |
Subordinated Liabilities
SubordinatedLiabilities
|
12759000000 | gbp |
| CY2020Q4 | ifrs-full |
Subordinated Liabilities
SubordinatedLiabilities
|
16341000000 | gbp |
| CY2022 | ifrs-full |
Proceeds From Issue Of Subordinated Liabilities
ProceedsFromIssueOfSubordinatedLiabilities
|
1477000000 | gbp |
| CY2021 | ifrs-full |
Proceeds From Issue Of Subordinated Liabilities
ProceedsFromIssueOfSubordinatedLiabilities
|
1890000000 | gbp |
| CY2022 | ifrs-full |
Repayments Of Borrowings Classified As Financing Activities
RepaymentsOfBorrowingsClassifiedAsFinancingActivities
|
2679000000 | gbp |
| CY2021 | ifrs-full |
Repayments Of Borrowings Classified As Financing Activities
RepaymentsOfBorrowingsClassifiedAsFinancingActivities
|
4807000000 | gbp |
| CY2022 | bcs |
Other Repayments Proceeds Of Borrowings Classified As Financing Activities
OtherRepaymentsProceedsOfBorrowingsClassifiedAsFinancingActivities
|
134000000 | gbp |
| CY2021 | bcs |
Other Repayments Proceeds Of Borrowings Classified As Financing Activities
OtherRepaymentsProceedsOfBorrowingsClassifiedAsFinancingActivities
|
665000000 | gbp |
| CY2022Q4 | ifrs-full |
Subordinated Liabilities
SubordinatedLiabilities
|
11423000000 | gbp |
| CY2021Q4 | ifrs-full |
Subordinated Liabilities
SubordinatedLiabilities
|
12759000000 | gbp |
| CY2022 | ifrs-full |
Proceeds From Issue Of Subordinated Liabilities
ProceedsFromIssueOfSubordinatedLiabilities
|
1477000000 | usd |
| CY2022 | ifrs-full |
Repayments Of Subordinated Liabilities
RepaymentsOfSubordinatedLiabilities
|
2679000000 | gbp |
| CY2022Q4 | ifrs-full |
Undated Subordinated Liabilities
UndatedSubordinatedLiabilities
|
28000000 | gbp |
| CY2021Q4 | ifrs-full |
Undated Subordinated Liabilities
UndatedSubordinatedLiabilities
|
355000000 | gbp |
| CY2022Q4 | ifrs-full |
Dated Subordinated Liabilities
DatedSubordinatedLiabilities
|
11395000000 | gbp |
| CY2021Q4 | ifrs-full |
Dated Subordinated Liabilities
DatedSubordinatedLiabilities
|
12404000000 | gbp |
| CY2022Q4 | ifrs-full |
Subordinated Liabilities
SubordinatedLiabilities
|
11423000000 | gbp |
| CY2021Q4 | ifrs-full |
Subordinated Liabilities
SubordinatedLiabilities
|
12759000000 | gbp |
| CY2022Q4 | ifrs-full |
Dated Subordinated Liabilities
DatedSubordinatedLiabilities
|
11395000000 | gbp |
| CY2021Q4 | ifrs-full |
Dated Subordinated Liabilities
DatedSubordinatedLiabilities
|
12404000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Issued Capital Explanatory
DisclosureOfIssuedCapitalExplanatory
|
Ordinary shares, share premium, and other equity<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:43.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Called up share capital, allotted and fully paid</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number of shares</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Ordinary share capital</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Ordinary share premium</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total share capital and share premium </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>equity instruments</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,752 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,188 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,536 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,259 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued to staff under share incentive plans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 securities issuance</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,158 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 securities redemption</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,126)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase of shares</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(931)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(233)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(233)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,871 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,968 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">405 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,373 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,284 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,359 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,340 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">297 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,637 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued to staff under share incentive plans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 securities issuance</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,078 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 securities redemption</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase of shares</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(644)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(161)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(161)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,752 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,188 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,536 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,259 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Called up share capital</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Called up share capital comprises 15,871m (2021: 16,752m) ordinary shares of 25p each. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Share repurchase</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At the 2022 AGM on 4 May 2022, Barclays PLC was authorised to repurchase up to an aggregate of 1,676m of its ordinary shares of 25p. The authorisation is effective until the AGM in 2023 or the close of business on 30 June 2023, whichever is the earlier. During 2022, 931m shares were repurchased with a total nominal value of £233m (2021: 644m shares with a nominal value of £161m).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other equity instruments</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other equity instruments of £13,284m (2021: £12,259m) include AT1 securities issued by Barclays PLC. The AT1 securities are perpetual securities with no fixed maturity and are structured to qualify as AT1 instruments under prevailing capital rules applicable as at the relevant issue date.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2022, there were three issuances of AT1 instruments, in the form of Fixed Rate Resetting Perpetual Subordinated Contingent Convertible Securities, for £3,158m (2021: one issuance for £1,078m) which includes issuance costs of £9m (2021: £4m). There were two redemptions in 2022 totalling £2,126m (2021: no redemptions).</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:65.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.964%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Initial call date</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 equity instruments - Barclays PLC</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.875% Perpetual Subordinated Contingent Convertible Securities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">995 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.875% Perpetual Subordinated Contingent Convertible Securities (USD 1,500m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,131 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.25% Perpetual Subordinated Contingent Convertible Securities</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,243 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.75% Perpetual Subordinated Contingent Convertible Securities (USD 2,500m)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,925 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,924 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.875% Perpetual Subordinated Contingent Convertible Securities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,244 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,244 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8% Perpetual Subordinated Contingent Convertible Securities (USD 2,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,509 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,509 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.125% Perpetual Subordinated Contingent Convertible Securities</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">993 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">996 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.375% Perpetual Subordinated Contingent Convertible Securities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">996 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">996 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.125% Perpetual Subordinated Contingent Convertible Securities (USD 1,500m)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,142 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.375% Perpetual Subordinated Contingent Convertible Securities (USD 1,500m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,078 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,078 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.300% Perpetual Subordinated Contingent Convertible Securities (SGD 450m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">264 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.875% Perpetual Subordinated Contingent Convertible Securities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,247 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.000% Perpetual Subordinated Contingent Convertible Securities (USD 2,000m)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,643 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total AT1 equity instruments</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,284 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,259 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Reported net of securities held by the Group.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The principal terms of the AT1 securities are described below:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">AT1 securities rank behind the claims against Barclays PLC of i) unsubordinated creditors; ii) claims which are expressed to be subordinated to the claims of unsubordinated creditors of Barclays PLC but not further or otherwise; or iii) claims which are, or are expressed to be, junior to the claims of other creditors of Barclays PLC, whether subordinated or unsubordinated, other than claims which rank, or are expressed to rank, pari passu with, or junior to, the claims of holders of the AT1 securities.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">AT1 securities are undated and are redeemable, at the option of Barclays PLC, in whole on (i) the initial reset date, or on any fifth anniversary after the initial reset date or (ii) any day falling in a named period ending on the initial reset date, or on any fifth anniversary after the initial reset date. In addition, the AT1 securities are redeemable, at the option of Barclays PLC, in whole in the event of certain changes in the tax or regulatory treatment of the securities. Any redemptions require the prior consent of the PRA.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Interest on the AT1 securities will be due and payable only at the sole discretion of Barclays PLC, and Barclays PLC has sole and absolute discretion at all times and for any reason to cancel (in whole or in part) any interest payment that would otherwise be payable on any interest payment date.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Classes Of Share Capital Explanatory
DisclosureOfClassesOfShareCapitalExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:43.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Called up share capital, allotted and fully paid</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number of shares</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Ordinary share capital</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Ordinary share premium</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total share capital and share premium </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other<br/>equity instruments</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,752 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,188 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,536 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,259 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #026dce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued to staff under share incentive plans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 securities issuance</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,158 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 securities redemption</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,126)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase of shares</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(931)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(233)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(233)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,871 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,968 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">405 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,373 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,284 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January 2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,359 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,340 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">297 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,637 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,172 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued to staff under share incentive plans</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 securities issuance</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,078 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 securities redemption</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase of shares</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(644)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(161)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(161)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,752 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,188 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">348 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,536 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,259 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2021Q4 | ifrs-full |
Noncontrolling Interests
NoncontrollingInterests
|
989000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Share Capital Reserves And Other Equity Interest Explanatory
DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory
|
<div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:65.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.964%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Initial call date</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">AT1 equity instruments - Barclays PLC</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.875% Perpetual Subordinated Contingent Convertible Securities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">995 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.875% Perpetual Subordinated Contingent Convertible Securities (USD 1,500m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,131 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.25% Perpetual Subordinated Contingent Convertible Securities</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,243 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,245 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.75% Perpetual Subordinated Contingent Convertible Securities (USD 2,500m)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,925 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,924 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.875% Perpetual Subordinated Contingent Convertible Securities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,244 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,244 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8% Perpetual Subordinated Contingent Convertible Securities (USD 2,000m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,509 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,509 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.125% Perpetual Subordinated Contingent Convertible Securities</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">993 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">996 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.375% Perpetual Subordinated Contingent Convertible Securities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">996 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">996 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.125% Perpetual Subordinated Contingent Convertible Securities (USD 1,500m)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,142 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,141 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.375% Perpetual Subordinated Contingent Convertible Securities (USD 1,500m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,078 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,078 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.300% Perpetual Subordinated Contingent Convertible Securities (SGD 450m)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">264 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.875% Perpetual Subordinated Contingent Convertible Securities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,247 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.000% Perpetual Subordinated Contingent Convertible Securities (USD 2,000m)</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,643 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total AT1 equity instruments</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,284 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,259 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Reported net of securities held by the Group.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Reserves And Other Equity Interest Explanatory
DisclosureOfReservesAndOtherEquityInterestExplanatory
|
Reserves<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Currency translation reserve </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The currency translation reserve represents the cumulative gains and losses on the retranslation of the Group’s net investment in foreign operations, net of the effects of hedging.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Fair value through other comprehensive income reserve </span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The fair value through other comprehensive income reserve represents the changes in the fair value of financial instruments accounted for at fair value through other comprehensive income investments since initial recognition.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Cash flow hedging reserve</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The cash flow hedging reserve represents the cumulative gains and losses on effective cash flow hedging instruments that will be recycled to profit or loss when the hedged transactions affect profit or loss.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Own credit reserve</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The own credit reserve reflects the cumulative own credit gains and losses on financial liabilities at fair value. Amounts in the own credit reserve are not recycled to profit or loss in future periods.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other reserves and treasury shares</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other reserves relate to redeemed ordinary and preference shares issued by the Group. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Treasury shares relate to Barclays PLC shares held in relation to the Group’s various share schemes. These schemes are described in Note 32. Treasury shares are deducted from shareholders’ equity within other reserves. A transfer is made to retained earnings in line with the vesting of treasury shares held for the purposes of share-based payments.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency translation reserve</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,772 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,740 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value through other comprehensive income reserve</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,560)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(283)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedging reserve</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,235)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(853)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Own credit reserve</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(960)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other reserves and treasury shares</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,364 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,126 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,192)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,770 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022Q4 | ifrs-full |
Other Reserves
OtherReserves
|
-2192000000 | gbp |
| CY2021Q4 | ifrs-full |
Other Reserves
OtherReserves
|
1770000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Noncontrolling Interests Explanatory
DisclosureOfNoncontrollingInterestsExplanatory
|
Non-controlling interests<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.430%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.980%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Profit attributable to non-controlling interest</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity attributable to non-controlling interest</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Dividends paid to non-controlling interest</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank PLC issued:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– Preference shares</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">529 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">529 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– Upper Tier 2 instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">438 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">458 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-controlling interests</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">968 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">989 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In 2022, there were no issuances (2021: none) and one redemption of £20m (2021: £75m) relating to the Undated Floating Rate Primary Capital Notes Series 3.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Barclays Bank PLC and protective rights of non-controlling interests</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays PLC holds 100% of the voting rights of Barclays Bank PLC. As at 31 December 2022, Barclays Bank PLC has in issue preference shares and Upper Tier 2 instruments. These are non-controlling interests to the Group.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A fixed coupon rate is attached to all Upper Tier 2 instruments until the initial call date, with the exception of the 9% Bonds, which are fixed for the life of the issue and the Series 1 and Series 2 Undated Notes, which are floating rate at rates fixed periodically in advance based on market rates.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">After the initial call date, in the event they are not redeemed, coupon payments in relation to the 6.125% Undated Notes are fixed periodically in advance for five-year periods based on market rates. Coupon payments for all other Upper Tier 2 instruments are at rates fixed periodically in advance based on market rates.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The payment of preference share dividends and Upper Tier 2 coupons are typically at the discretion of Barclays Bank PLC, except for coupon payments that become compulsory where Barclays PLC has declared or paid a dividend on ordinary shares, or in certain cases, any class of preference shares, in the preceding six-month period. Coupons not paid become payable in each case if such a dividend is subsequently paid or in certain other circumstances. No dividend or coupon payments may be made unless Barclays Bank PLC satisfies a specified solvency test. Under the terms of these instruments, Barclays PLC may not pay dividends on ordinary shares until a dividend or coupon is next paid on these instruments or the instruments are redeemed or purchased by Barclays Bank PLC. There are no restrictions on Barclays Bank PLC’s ability to remit capital to the Parent as a result of these issued instruments. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Preference share redemptions are typically at the discretion of Barclays Bank PLC. Upper Tier 2 instruments are repayable, at the option of Barclays Bank PLC generally in whole at the initial call date and on any subsequent coupon payment date or, in the case of the 6.125% Undated Notes on any fifth anniversary after the initial call date. In addition, each issue of Upper Tier 2 instruments is repayable, at the option of Barclays Bank PLC, in whole for certain tax reasons, either at any time, or on an interest payment date. There are no events of default except non-payment of principal or mandatory interest. Any repayments or redemptions require the prior consent of the PRA, and in respect of the preference shares, any such redemption will be subject to the Companies Act 2006 and the Articles of Barclays Bank PLC.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Instrument</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Preference Shares:</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">US Dollar Preference Shares</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Euro Preference Shares</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Barclays Bank PLC Preference Shares</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">529 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">529 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Upper Tier 2 Instruments:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated Floating Rate Primary Capital Notes Series 1</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated Floating Rate Primary Capital Notes Series 2</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.03% Undated Reverse Dual Currency Subordinated Loan (JPY8bn)</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.0% Reverse Dual Currency Undated Subordinated Loan (JPY12bn)</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undated Floating Rate Primary Capital Notes Series 3 (£145m)</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9% Permanent Interest Bearing Capital Bonds (£100m)</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.125% Undated Subordinated Notes (£550m)</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Upper Tier 2 Instruments</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">438 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">458 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Profit Loss Attributable To Noncontrolling Interests
ProfitLossAttributableToNoncontrollingInterests
|
45000000 | gbp |
| CY2021 | ifrs-full |
Profit Loss Attributable To Noncontrolling Interests
ProfitLossAttributableToNoncontrollingInterests
|
47000000 | gbp |
| CY2022Q4 | ifrs-full |
Noncontrolling Interests
NoncontrollingInterests
|
968000000 | gbp |
| CY2022 | ifrs-full |
Dividends Paid To Noncontrolling Interests
DividendsPaidToNoncontrollingInterests
|
45000000 | gbp |
| CY2021 | ifrs-full |
Dividends Paid To Noncontrolling Interests
DividendsPaidToNoncontrollingInterests
|
44000000 | gbp |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Employee Benefits Explanatory
DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for staff costs</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 19 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Employee benefits</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> in its accounting for most of the components of staff costs.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Short-term employee benefits –</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> salaries, accrued performance costs and social security are recognised over the period in which the employees provide the services to which the payments relate.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Performance costs –</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> recognised to the extent that the Group has a present obligation to its employees that can be measured reliably and are recognised over the period of service that employees are required to work to qualify for the payments.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Deferred cash and share awards are made to employees to incentivise performance over the period employees provide services. To receive payment under an award, employees must provide service over the vesting period. The period over which the expense for deferred cash and share awards is recognised is based upon the period employees consider their services contribute to the awards. For past awards, the Group considers that it is appropriate to recognise the awards over the period from the date of grant to the date that the awards vest. In relation to awards granted from 2017, the Group, taking into account the changing employee understanding surrounding those awards, considered it appropriate for expense to be recognised over the vesting period including the financial year prior to the grant date. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The accounting policies for share-based payments, and pensions and other post-retirement benefits are included in Note 32 and Note 33 respectively.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for pensions and post-retirement benefits</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group operates a number of pension schemes and post-employment benefit schemes.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Defined contribution schemes – </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">the Group recognises contributions due in respect of the accounting period in the income statement. Any contributions unpaid at the balance sheet date are included as a liability.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Defined benefit schemes –</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> the Group recognises its obligations to members of each scheme at the period end, less the fair value of the scheme assets after applying the asset ceiling test. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Each scheme’s obligations are calculated using the projected unit credit method. Scheme assets are stated at fair value as at the period end.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Changes in pension scheme liabilities or assets (remeasurements) that do not arise from regular pension cost, net interest on net defined benefit liabilities or assets, past service costs, settlements or contributions to the scheme, are recognised in other comprehensive income. Remeasurements comprise experience adjustments (differences between previous actuarial assumptions and what has actually occurred), the effects of changes in actuarial assumptions, return on scheme assets (excluding amounts included in the interest on the assets) and any changes in the effect of the asset ceiling restriction (excluding amounts included in the interest on the restriction).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Post-employment benefit schemes – </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">the cost of providing healthcare benefits to retired employees is accrued as a liability in the financial statements over the period that the employees provide services to the Group, using a methodology similar to that for defined benefit pension schemes.</span></div> | |
| CY2022 | bcs |
Current Year Incentive Awards Granted
CurrentYearIncentiveAwardsGranted
|
1241000000 | gbp |
| CY2021 | bcs |
Current Year Incentive Awards Granted
CurrentYearIncentiveAwardsGranted
|
1278000000 | gbp |
| CY2020 | bcs |
Current Year Incentive Awards Granted
CurrentYearIncentiveAwardsGranted
|
1090000000 | gbp |
| CY2022 | bcs |
Deferred Incentive Awards Granted
DeferredIncentiveAwardsGranted
|
549000000 | gbp |
| CY2021 | bcs |
Deferred Incentive Awards Granted
DeferredIncentiveAwardsGranted
|
667000000 | gbp |
| CY2020 | bcs |
Deferred Incentive Awards Granted
DeferredIncentiveAwardsGranted
|
490000000 | gbp |
| CY2022 | ifrs-full |
Expense From Sharebased Payment Transactions With Employees
ExpenseFromSharebasedPaymentTransactionsWithEmployees
|
1790000000 | gbp |
| CY2021 | ifrs-full |
Expense From Sharebased Payment Transactions With Employees
ExpenseFromSharebasedPaymentTransactionsWithEmployees
|
1945000000 | gbp |
| CY2020 | ifrs-full |
Expense From Sharebased Payment Transactions With Employees
ExpenseFromSharebasedPaymentTransactionsWithEmployees
|
1580000000 | gbp |
| CY2022 | bcs |
Deferred Incentive Awards Granted But Not Charged In Current Year
DeferredIncentiveAwardsGrantedButNotChargedInCurrentYear
|
388000000 | gbp |
| CY2021 | bcs |
Deferred Incentive Awards Granted But Not Charged In Current Year
DeferredIncentiveAwardsGrantedButNotChargedInCurrentYear
|
457000000 | gbp |
| CY2020 | bcs |
Deferred Incentive Awards Granted But Not Charged In Current Year
DeferredIncentiveAwardsGrantedButNotChargedInCurrentYear
|
335000000 | gbp |
| CY2022 | bcs |
Current Year Charges For Deferred Bonuses From Previous Years
CurrentYearChargesForDeferredBonusesFromPreviousYears
|
399000000 | gbp |
| CY2021 | bcs |
Current Year Charges For Deferred Bonuses From Previous Years
CurrentYearChargesForDeferredBonusesFromPreviousYears
|
280000000 | gbp |
| CY2020 | bcs |
Current Year Charges For Deferred Bonuses From Previous Years
CurrentYearChargesForDeferredBonusesFromPreviousYears
|
293000000 | gbp |
| CY2022 | bcs |
Other Differences Between Incentive Awards Granted And Income Statement Charge
OtherDifferencesBetweenIncentiveAwardsGrantedAndIncomeStatementCharge
|
35000000 | gbp |
| CY2021 | bcs |
Other Differences Between Incentive Awards Granted And Income Statement Charge
OtherDifferencesBetweenIncentiveAwardsGrantedAndIncomeStatementCharge
|
-23000000 | gbp |
| CY2020 | bcs |
Other Differences Between Incentive Awards Granted And Income Statement Charge
OtherDifferencesBetweenIncentiveAwardsGrantedAndIncomeStatementCharge
|
-34000000 | gbp |
| CY2022 | ifrs-full |
Other Longterm Benefits
OtherLongtermBenefits
|
1836000000 | gbp |
| CY2021 | ifrs-full |
Other Longterm Benefits
OtherLongtermBenefits
|
1745000000 | gbp |
| CY2020 | ifrs-full |
Other Longterm Benefits
OtherLongtermBenefits
|
1504000000 | gbp |
| CY2022 | ifrs-full |
Wages And Salaries
WagesAndSalaries
|
4732000000 | gbp |
| CY2021 | ifrs-full |
Wages And Salaries
WagesAndSalaries
|
4290000000 | gbp |
| CY2020 | ifrs-full |
Wages And Salaries
WagesAndSalaries
|
4322000000 | gbp |
| CY2022 | ifrs-full |
Social Security Contributions
SocialSecurityContributions
|
714000000 | gbp |
| CY2021 | ifrs-full |
Social Security Contributions
SocialSecurityContributions
|
619000000 | gbp |
| CY2020 | ifrs-full |
Social Security Contributions
SocialSecurityContributions
|
613000000 | gbp |
| CY2022 | ifrs-full |
Postemployment Benefit Expense Defined Benefit Plans
PostemploymentBenefitExpenseDefinedBenefitPlans
|
563000000 | gbp |
| CY2021 | ifrs-full |
Postemployment Benefit Expense Defined Benefit Plans
PostemploymentBenefitExpenseDefinedBenefitPlans
|
539000000 | gbp |
| CY2020 | ifrs-full |
Postemployment Benefit Expense Defined Benefit Plans
PostemploymentBenefitExpenseDefinedBenefitPlans
|
519000000 | gbp |
| CY2022 | ifrs-full |
Other Employee Expense
OtherEmployeeExpense
|
504000000 | gbp |
| CY2021 | ifrs-full |
Other Employee Expense
OtherEmployeeExpense
|
431000000 | gbp |
| CY2020 | ifrs-full |
Other Employee Expense
OtherEmployeeExpense
|
479000000 | gbp |
| CY2022 | bcs |
Staff Compensation Costs
StaffCompensationCosts
|
8349000000 | gbp |
| CY2021 | bcs |
Staff Compensation Costs
StaffCompensationCosts
|
7624000000 | gbp |
| CY2020 | bcs |
Staff Compensation Costs
StaffCompensationCosts
|
7437000000 | gbp |
| CY2022 | bcs |
Outsourcing Costs
OutsourcingCosts
|
607000000 | gbp |
| CY2021 | bcs |
Outsourcing Costs
OutsourcingCosts
|
357000000 | gbp |
| CY2020 | bcs |
Outsourcing Costs
OutsourcingCosts
|
342000000 | gbp |
| CY2022 | ifrs-full |
Expense Of Restructuring Activities
ExpenseOfRestructuringActivities
|
-7000000 | gbp |
| CY2021 | ifrs-full |
Expense Of Restructuring Activities
ExpenseOfRestructuringActivities
|
296000000 | gbp |
| CY2020 | ifrs-full |
Expense Of Restructuring Activities
ExpenseOfRestructuringActivities
|
102000000 | gbp |
| CY2022 | bcs |
Temporary Staff Costs
TemporaryStaffCosts
|
113000000 | gbp |
| CY2021 | bcs |
Temporary Staff Costs
TemporaryStaffCosts
|
109000000 | gbp |
| CY2020 | bcs |
Temporary Staff Costs
TemporaryStaffCosts
|
102000000 | gbp |
| CY2022 | bcs |
Other Resourcing Costs
OtherResourcingCosts
|
190000000 | gbp |
| CY2021 | bcs |
Other Resourcing Costs
OtherResourcingCosts
|
125000000 | gbp |
| CY2020 | bcs |
Other Resourcing Costs
OtherResourcingCosts
|
114000000 | gbp |
| CY2022 | bcs |
Resourcing Costs
ResourcingCosts
|
903000000 | gbp |
| CY2021 | bcs |
Resourcing Costs
ResourcingCosts
|
887000000 | gbp |
| CY2020 | bcs |
Resourcing Costs
ResourcingCosts
|
660000000 | gbp |
| CY2022 | ifrs-full |
Employee Benefits Expense
EmployeeBenefitsExpense
|
9252000000 | gbp |
| CY2021 | ifrs-full |
Employee Benefits Expense
EmployeeBenefitsExpense
|
8511000000 | gbp |
| CY2020 | ifrs-full |
Employee Benefits Expense
EmployeeBenefitsExpense
|
8097000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Sharebased Payment Arrangements Explanatory
DisclosureOfSharebasedPaymentArrangementsExplanatory
|
Share-based payments<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for share-based payments</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IFRS 2</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%"> Share-based Payments </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">in accounting for employee remuneration in the form of shares. </span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Employee incentives include awards in the form of shares and share options, as well as offering employees the opportunity to purchase shares on favourable terms. The cost of the employee services received in respect of the shares or share options granted is recognised in the income statement over the period that employees provide services. The overall cost of the award is calculated using the number of shares and options expected to vest and the fair value of the shares or options at the date of grant. </span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The number of shares and options expected to vest takes into account the likelihood that performance and service conditions included in the terms of the awards will be met. Failure to meet the non-vesting condition is treated as a cancellation, resulting in an acceleration of recognition of the cost of the employee services.</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The fair value of shares is the market price ruling on the grant date, in some cases adjusted to reflect restrictions on transferability. The fair value of options granted is determined using the Black Scholes model to estimate the numbers of shares likely to vest. The model takes into account the exercise price of the option, the current share price, the risk-free interest rate, the expected volatility of the share price over the life of the option and other relevant factors. Market conditions that must be met in order for the award to vest are also reflected in the fair value of the award, as are any other non-vesting conditions – such as continuing to make payments into a share-based savings scheme. </span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The charge for the year arising from share-based payment schemes was as follows:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Charge for the year</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred Share Value Plan and Share Value Plan</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">295 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">245 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Others</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">214 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total equity settled</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">509 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">472 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">429 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash settled</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total share-based payments </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">513 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">477 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The terms of the main current plans are as follows:</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Share Value Plan (SVP)</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The SVP was introduced in Barclays PLC Group in March 2010. SVP awards have been granted to participants in the form of a conditional right to receive Barclays PLC shares or provisional allocations of Barclays PLC shares which vest or are considered for release over a period of three, four, five or seven years. Participants do not pay to receive an award or to receive a release of shares. For awards granted before December 2017, the grantor may also make a dividend equivalent payment to participants on release of a SVP award. SVP awards are also made to eligible employees for recruitment purposes. All awards are subject to potential forfeiture in certain leaver scenarios.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Deferred Share Value Plan (DSVP)</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The DSVP was introduced in February 2017. The terms of the DSVP are materially the same as the terms of the SVP as described above, save that Executive Directors are not eligible to participate in the DSVP and the DSVP operates over market purchase shares only.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other schemes </span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition to the SVP and DSVP, the Barclays PLC Group operates a number of other schemes settled in Barclays PLC Shares including Sharesave (both UK and Ireland), Sharepurchase (both UK and overseas), and the Barclays PLC Group Long Term Incentive Plan. A delivery of upfront shares to ‘Material Risk Takers’ can be made as a Share Incentive Award (Holding Period) under the SVP.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Share option and award plans</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The weighted average fair value per award granted, weighted average share price at the date of exercise/release of shares during the year, weighted average contractual remaining life and number of options and awards outstanding (including those exercisable) at the balance sheet date were as follows:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:32.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.199%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted average fair value per award granted in year</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted average share price at exercise/release during year</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted<br/>average<br/>remaining<br/>contractual<br/>life</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number of<br/>options/<br/>awards<br/>outstanding</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted average fair value per award granted in year</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted average share price at exercise/release during year</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted<br/>average<br/>remaining<br/>contractual<br/>life</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number of<br/>options/<br/>awards<br/>outstanding</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">in years</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(000s)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">in years</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(000s)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">DSVP and SVP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a,b</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.43 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.61 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">501,454 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.62 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.76 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">413,859 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Others</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.38-1.64</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.59-1.66</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0-3</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316,534 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.64-1.8</span></div></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.75-1.92</span></div></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0-3</span></div></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,976 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Options/award granted over Barclays PLC shares. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Weighted average exercise price is not applicable for SVP and DSVP awards as these are not share option schemes.</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">SVP and DSVP are nil cost awards on which the performance conditions are substantially completed at the date of grant. Consequently, the fair value of these awards is based on the market value at that date.</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Sharesave has a contractual life of 3 years and 5 years,the expected volatility is 31.10% for 3 years and 30.56% for 5 years. The risk free interest rates used for valuations are 4.28% and 4.05% for 3 years and 5 years respectively. The pure dividend yield rates used for valuations are 4.01% and 3.93% for 3 years and 5 years respectively. The repo rates used for valuations are (0.47)% and (0.63)% for 3 years and 5 years respectively. The inputs into the model such as risk free interest rate, expected volatility, pure dividend yield rates and repo rates are derived from the market data.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Movements in options and awards</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The movement in the number of options and awards for the major schemes and the weighted average exercise price of options was:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:34.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.652%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">DSVP and SVP</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a,b</span></div></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Others</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a,c</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number (000s)</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number (000s)</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted average ex. price (£)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Outstanding at beginning of year/acquisition date </span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">413,859 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">416,941 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,976 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">356,033 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.95 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.96 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291,876 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187,667 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146,203 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120,385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exercised/released in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(178,634)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(160,460)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(133,682)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(107,688)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less: forfeited in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(25,647)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,289)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,789)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24,489)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.01 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.95 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less: expired in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,174)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,265)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Outstanding at end of year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">501,454 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">413,859 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316,534 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,976 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.97 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.95 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which exercisable:</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,247 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,609 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.19 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.23 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Options/award granted over Barclays PLC shares. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Weighted average exercise price is not applicable for SVP and DSVP awards as these are not share option schemes.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c The number of awards within Others at the end of the year principally relates to Sharesave (number of awards exercisable at end of year was 13,954,749). The weighted average exercise price relates to Sharesave.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Awards and options granted under the Group’s share plans may be satisfied using new issue shares, treasury shares and market purchase shares. Awards granted under the DSVP may be satisfied using market purchase shares only.</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There were no significant modifications to the share-based payments arrangements in 2022 and 2021.</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As at 31 December 2022, the total liability arising from cash-settled share-based payments transactions was £5m (2021: £5m).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Holdings of Barclays PLC shares and hedges</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Various employee benefit trusts established by the Group hold shares in Barclays PLC to meet obligations under the Barclays share-based payment schemes. The total number of Barclays shares held in these employee benefit trusts at 31 December 2022 was 14m (2021: 12.9m). Dividend rights have been waived on all these shares. The total market value of the shares held in trust based on the year end share price of £1.59 (2021: £1.87) was £22m (2021: £24m). For accounting of treasury shares, see Note 29.</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group has entered into physically settled forward contracts to hedge the settlement of certain share-based payment schemes. The fixed forward price to be paid under these contracts is £469m and has been recorded in retained earnings.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Sharebased Payment Transactions Explanatory
DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for share-based payments</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IFRS 2</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%"> Share-based Payments </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">in accounting for employee remuneration in the form of shares. </span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Employee incentives include awards in the form of shares and share options, as well as offering employees the opportunity to purchase shares on favourable terms. The cost of the employee services received in respect of the shares or share options granted is recognised in the income statement over the period that employees provide services. The overall cost of the award is calculated using the number of shares and options expected to vest and the fair value of the shares or options at the date of grant. </span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The number of shares and options expected to vest takes into account the likelihood that performance and service conditions included in the terms of the awards will be met. Failure to meet the non-vesting condition is treated as a cancellation, resulting in an acceleration of recognition of the cost of the employee services.</span></div>The fair value of shares is the market price ruling on the grant date, in some cases adjusted to reflect restrictions on transferability. The fair value of options granted is determined using the Black Scholes model to estimate the numbers of shares likely to vest. The model takes into account the exercise price of the option, the current share price, the risk-free interest rate, the expected volatility of the share price over the life of the option and other relevant factors. Market conditions that must be met in order for the award to vest are also reflected in the fair value of the award, as are any other non-vesting conditions – such as continuing to make payments into a share-based savings scheme. | |
| CY2022 | ifrs-full |
Disclosure Of Terms And Conditions Of Sharebased Payment Arrangement Explanatory
DisclosureOfTermsAndConditionsOfSharebasedPaymentArrangementExplanatory
|
<div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The charge for the year arising from share-based payment schemes was as follows:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Charge for the year</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred Share Value Plan and Share Value Plan</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">295 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">245 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Others</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">214 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total equity settled</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">509 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">472 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">429 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash settled</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total share-based payments </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">513 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">477 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">431 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Expense From Equitysettled Sharebased Payment Transactions In Which Goods Or Services Received Did Not Qualify For Recognition As Assets
ExpenseFromEquitysettledSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets
|
509000000 | gbp |
| CY2021 | ifrs-full |
Expense From Equitysettled Sharebased Payment Transactions In Which Goods Or Services Received Did Not Qualify For Recognition As Assets
ExpenseFromEquitysettledSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets
|
472000000 | gbp |
| CY2020 | ifrs-full |
Expense From Equitysettled Sharebased Payment Transactions In Which Goods Or Services Received Did Not Qualify For Recognition As Assets
ExpenseFromEquitysettledSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets
|
429000000 | gbp |
| CY2022 | ifrs-full |
Expense From Cashsettled Sharebased Payment Transactions In Which Goods Or Services Received Did Not Qualify For Recognition As Assets
ExpenseFromCashsettledSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets
|
4000000 | gbp |
| CY2021 | ifrs-full |
Expense From Cashsettled Sharebased Payment Transactions In Which Goods Or Services Received Did Not Qualify For Recognition As Assets
ExpenseFromCashsettledSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets
|
5000000 | gbp |
| CY2020 | ifrs-full |
Expense From Cashsettled Sharebased Payment Transactions In Which Goods Or Services Received Did Not Qualify For Recognition As Assets
ExpenseFromCashsettledSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets
|
2000000 | gbp |
| CY2022 | ifrs-full |
Expense From Sharebased Payment Transactions In Which Goods Or Services Received Did Not Qualify For Recognition As Assets
ExpenseFromSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets
|
513000000 | gbp |
| CY2021 | ifrs-full |
Expense From Sharebased Payment Transactions In Which Goods Or Services Received Did Not Qualify For Recognition As Assets
ExpenseFromSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets
|
477000000 | gbp |
| CY2020 | ifrs-full |
Expense From Sharebased Payment Transactions In Which Goods Or Services Received Did Not Qualify For Recognition As Assets
ExpenseFromSharebasedPaymentTransactionsInWhichGoodsOrServicesReceivedDidNotQualifyForRecognitionAsAssets
|
431000000 | gbp |
| CY2020 | ifrs-full |
Interest Expense Income Net Defined Benefit Liability Asset
InterestExpenseIncomeNetDefinedBenefitLiabilityAsset
|
-40000000 | gbp |
| CY2022 | bcs |
Disclosure Of Stock Options And Award Plans Of Sharebased Payment Arrangement Explanatory
DisclosureOfStockOptionsAndAwardPlansOfSharebasedPaymentArrangementExplanatory
|
<div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The weighted average fair value per award granted, weighted average share price at the date of exercise/release of shares during the year, weighted average contractual remaining life and number of options and awards outstanding (including those exercisable) at the balance sheet date were as follows:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:32.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.199%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted average fair value per award granted in year</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted average share price at exercise/release during year</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted<br/>average<br/>remaining<br/>contractual<br/>life</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number of<br/>options/<br/>awards<br/>outstanding</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted average fair value per award granted in year</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted average share price at exercise/release during year</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted<br/>average<br/>remaining<br/>contractual<br/>life</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number of<br/>options/<br/>awards<br/>outstanding</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">in years</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(000s)</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">in years</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(000s)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">DSVP and SVP</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a,b</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.43 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.61 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">501,454 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.62 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.76 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">413,859 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Others</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.38-1.64</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.59-1.66</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0-3</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316,534 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.64-1.8</span></div></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.75-1.92</span></div></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0-3</span></div></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,976 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Options/award granted over Barclays PLC shares. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Weighted average exercise price is not applicable for SVP and DSVP awards as these are not share option schemes.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Number And Weighted Average Exercise Prices Of Share Options Explanatory
DisclosureOfNumberAndWeightedAverageExercisePricesOfShareOptionsExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The movement in the number of options and awards for the major schemes and the weighted average exercise price of options was:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:34.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.651%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.652%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">DSVP and SVP</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a,b</span></div></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Others</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a,c</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number (000s)</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Number (000s)</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Weighted average ex. price (£)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Outstanding at beginning of year/acquisition date </span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">413,859 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">416,941 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,976 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">356,033 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.95 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.96 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291,876 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187,667 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146,203 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120,385 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.43 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exercised/released in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(178,634)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(160,460)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(133,682)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(107,688)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.15 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less: forfeited in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(25,647)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,289)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,789)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24,489)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.01 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.95 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less: expired in the year</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,174)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,265)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.23 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.67 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Outstanding at end of year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">501,454 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">413,859 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316,534 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,976 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.97 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.95 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which exercisable:</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,247 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,609 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.19 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.23 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Options/award granted over Barclays PLC shares. </span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Weighted average exercise price is not applicable for SVP and DSVP awards as these are not share option schemes.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c The number of awards within Others at the end of the year principally relates to Sharesave (number of awards exercisable at end of year was 13,954,749). The weighted average exercise price relates to Sharesave.</span></div> | |
| CY2022Q4 | ifrs-full |
Liabilities From Sharebased Payment Transactions2011
LiabilitiesFromSharebasedPaymentTransactions2011
|
5000000 | gbp |
| CY2021Q4 | ifrs-full |
Liabilities From Sharebased Payment Transactions2011
LiabilitiesFromSharebasedPaymentTransactions2011
|
5000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Employee Benefits Explanatory
DisclosureOfEmployeeBenefitsExplanatory
|
Pensions and post-retirement benefits<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for pensions and post-retirement benefits</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group operates a number of pension schemes and post-employment benefit schemes.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Defined contribution schemes – </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">the Group recognises contributions due in respect of the accounting period in the income statement. Any contributions unpaid at the balance sheet date are included as a liability.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Defined benefit schemes –</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> the Group recognises its obligations to members of each scheme at the period end, less the fair value of the scheme assets after applying the asset ceiling test. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Each scheme’s obligations are calculated using the projected unit credit method. Scheme assets are stated at fair value as at the period end.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Changes in pension scheme liabilities or assets (remeasurements) that do not arise from regular pension cost, net interest on net defined benefit liabilities or assets, past service costs, settlements or contributions to the scheme, are recognised in other comprehensive income. Remeasurements comprise experience adjustments (differences between previous actuarial assumptions and what has actually occurred), the effects of changes in actuarial assumptions, return on scheme assets (excluding amounts included in the interest on the assets) and any changes in the effect of the asset ceiling restriction (excluding amounts included in the interest on the restriction).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Post-employment benefit schemes – </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">the cost of providing healthcare benefits to retired employees is accrued as a liability in the financial statements over the period that the employees provide services to the Group, using a methodology similar to that for defined benefit pension schemes.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Pension schemes</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">UK Retirement Fund (UKRF)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The UKRF is the Group’s main scheme, representing 96% (2021: 97%) of the Group’s total retirement benefit obligations. Barclays Bank PLC is the principal employer of the UKRF. The UKRF was closed to new entrants on 1 October 2012, and comprises 10 sections, the two most significant of which are: </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Afterwork, which comprises a contributory cash balance defined benefit element, and a voluntary defined contribution element. The cash balance element is accrued each year and revalued until Normal Retirement Age in line with the increase in Retail Price Index (RPI) (up to a maximum of 5% p.a.). The main risks that Barclays runs in relation to Afterwork are limited although additional contributions are required if pre-retirement investment returns are not sufficient to provide for the benefits. </span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">The 1964 Pension Scheme. Most employees recruited before July 1997 built up benefits in this non-contributory defined benefit scheme in respect of service up to 31 March 2010. Pensions were calculated by reference to service and pensionable salary. From 1 April 2010, members became eligible to accrue future service benefits in either Afterwork or the Pension Investment Plan, a historic defined contribution section which is now closed to future contributions. The risks that Barclays runs in relation to the 1964 section are typical of final salary pension schemes, principally that investment returns fall short of expectations, that inflation exceeds expectations, and that retirees live longer than expected. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Barclays Pension Savings Plan (BPSP)</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The BPSP is a defined contribution scheme providing benefits for all new UK hires from 1 October 2012. BPSP is not subject to the same investment return, inflation or life expectancy risks for Barclays that defined benefit schemes are. Members’ benefits reflect contributions paid and the level of investment returns achieved.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Apart from the UKRF and the BPSP, Barclays operates a number of smaller pension and long-term employee benefits and post-retirement healthcare plans globally, the largest of which are the US defined benefit and defined contribution schemes. Many of the schemes are funded, with assets backing the obligations held in separate legal vehicles such as trusts. Others are operated on an unfunded basis. The benefits provided, the approach to funding, and the legal basis of the schemes, reflect local environments.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Governance</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The UKRF operates under trust law and is managed and administered on behalf of the members in accordance with the terms of the Trust Deed and Rules and all relevant legislation. The Corporate Trustee is Barclays Pension Funds Trustees Limited, a private limited company and a wholly owned subsidiary of Barclays Bank PLC. The Trustee is the legal owner of the assets of the UKRF which are held separately from the assets of the Group.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Trustee Board comprises six Management Directors selected by Barclays, of whom three are independent Directors with no relationship with Barclays (and who are not members of the UKRF), plus three Member Nominated Directors selected from eligible active members of the UKRF, deferred and pensioner members who apply for the role.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The BPSP is a Group Personal Pension arrangement which operates as a collection of personal pension plans. Each personal pension plan is a direct contract between the employee and the BPSP provider (Legal & General Assurance Society Limited), and is regulated by the FCA. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Similar principles of pension governance apply to the Group’s other pension schemes, depending on local legislation.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Amounts recognised</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following tables include amounts recognised in the income statement and an analysis of benefit obligations and scheme assets for all Group defined benefit schemes. The net position is reconciled to the assets and liabilities recognised on the balance sheet. The </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">tables include funded and unfunded post-retirement benefits. The income statement charge with respect to Defined contribution schemes is disclosed as part of footnotes to Note 31 Staff costs.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:65.714%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.964%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income statement (credit)/charge</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">243 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net finance (income)/cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(122)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(40)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">224 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance sheet reconciliation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Of which relates to UKRF</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Of which relates to UKRF</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefit obligation at beginning of the year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31,899)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,859)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33,190)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32,108)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(197)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(247)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(225)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest costs on scheme liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(724)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(707)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(422)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(405)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurement (loss)/gain – financial</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,995 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,734 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">848 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">820 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurement (loss)/gain – demographic</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">268 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">270 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurement (loss)/gain – experience</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(521)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(510)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(249)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(259)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employee contributions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefits paid</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,299 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,309 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,268 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(88)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefit obligation at end of the year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20,881)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,990)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31,899)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,859)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of scheme assets at beginning of the year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,467 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,678 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,713 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,915 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income on scheme assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">846 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">829 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">448 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">434 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer contribution</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,808 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,785 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">971 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">955 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurement – return on scheme assets (less)/greater than discount rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,510)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,313)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">653 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">642 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employee contributions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefits paid</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,339)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,299)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,309)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,268)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of scheme assets at end of the year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,360 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,680 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,467 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,678 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net surplus</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,479 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,690 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,568 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,819 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retirement benefit assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,743 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,690 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,879 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,819 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retirement benefit liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(264)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(311)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net retirement benefit assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,479 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,690 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,568 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,819 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Included within the benefit obligation is £690m (2021: £821m) relating to overseas pensions and £201m (2021: £219m) relating to other post-employment benefits. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As at 31 December 2022, the UKRF’s scheme assets were in surplus versus IAS 19 obligations by £4,690m (2021: £3,819m). The increase in the UKRF surplus during the year was driven by £294m of deficit reduction contributions and the unwind of the Senior Notes (see later in note), partially offset by higher than expected inflation experienced during the year. The UKRF assets and benefit obligation have reduced by c£10bn and c£11bn respectively over the year, primarily due to higher gilt and bond yields. This is as expected from the investment strategy which aims to invest in assets that move in value in line with changes in liability values.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The weighted average duration of the benefit payments reflected in the defined benefit obligation for the UKRF is 13 years (2021: 16 years) . The decrease in duration is primarily due to the increase in discount rate, driven by higher corporate bond yields. The UKRF expected benefits are projected to be paid out for in excess of 50 years, although 30% of the total benefits are expected to be paid in the next 10 years; 30% in years 11 to 20 and 25% in years 21 to 30. The remainder of the benefits are expected to be paid beyond 30 years.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Of the £1,299m (2021: £1,268m) UKRF benefits paid out, £390m (2021: £419m) related to transfers out of the fund.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Where a scheme’s assets exceed its obligation, an asset is recognised to the extent that it does not exceed the present value of future contribution holidays or refunds of contributions (the asset ceiling). In the case of the UKRF the asset ceiling is not applied as, in certain specified circumstances such as wind-up, the Group expects to be able to recover any surplus. Similarly, a liability in respect of future minimum funding requirements is not recognised. The Trustee does not have a substantive right to augment benefits, nor do they have the right to wind up the plan except in the dissolution of the Group or termination of contributions by the Group. The application of the </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">asset ceiling to other plans and recognition of additional liabilities in respect of future minimum funding requirements are considered on an individual plan basis.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i21d099e79f6542f0b9a116e30f8c0fb4_19360"/><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Critical accounting estimates and judgements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Actuarial valuation of the scheme's obligation is dependent upon a series of assumptions. Below is a summary of the main financial and demographic assumptions adopted for the UKRF.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Key UKRF financial assumptions</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% p.a.</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% p.a.</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.80 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.84 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation rate (RPI)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.21 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.56 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The UKRF discount rate assumption for 2022 was based on a standard WTW RATE Link model. The RPI inflation assumption for 2022 was set by reference to the Bank of England’s implied inflation curve. The inflation assumption incorporates a deduction of 20 basis points as an allowance for an inflation risk premium. The methodology used to derive the discount rate and inflation assumptions is consistent with that used at the prior year end. </span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The UKRF’s post-retirement mortality assumptions are based on an updated best estimate assumption derived from an analysis in 2022 of the UKRF’s own post-retirement mortality experience and taking account of recent evidence from published mortality surveys. An allowance has been made for future mortality improvements based on the 2021 core projection model published by the Continuous Mortality Investigation Bureau subject to a long-term trend of 1.25% per annum in future improvements (2021: 1.5% per annum). An additional allowance has been made within the mortality assumptions to reflect the uncertain impact of COVID-19 in the long term. The table below shows how the assumed life expectancy at 60, for members of the UKRF, has varied over the past three years:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:65.763%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assumed life expectancy</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life expectancy at 60 for current pensioners (years)</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– Males</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26.8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– Females</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.4</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life expectancy at 60 for future pensioners currently aged 40 (years)</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– Males</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.0</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– Females</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.0</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.4</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.2</span></td></tr></table></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The UKRF entered into a longevity reinsurance contract in 2022 covering</span><span style="color:#ff0090;font-family:'Expert Sans Regular',sans-serif;font-size:8pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">£7bn of the pensioner liabilities. This is in addition to a £5bn transaction executed in 2020. In total, over three-quarters of the longevity risk for current pensioners has been reinsured, and the transactions will provide income to the UKRF in the event that pensions are paid out for longer than expected. The contracts form part of the UKRF’s investment portfolio. At 31 December 2022, the contracts are valued at £(123)m (2021: nil). The negative value placed on the longevity reinsurance contracts at 31 December 2022 reflects the estimated impact of changes in the reinsurance market, demographic assumptions and risk premia since the 2020 transaction was entered into by the UKRF. The 2022 transaction is valued at nil as it is assessed to have been transacted recently at fair value.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Sensitivity analysis on actuarial assumptions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The sensitivity analysis has been calculated by valuing the UKRF liabilities using the amended assumptions shown in the table below and keeping the remaining assumptions the same as disclosed in the table above, except in the case of the inflation sensitivity where other assumptions that depend on assumed inflation have also been amended correspondingly. The difference between the recalculated liability figure and that stated in the balance sheet reconciliation table above is the figure shown. The selection of these movements to illustrate the sensitivity of the defined benefit obligation to key assumptions should not be interpreted as Barclays expressing any specific view of the probability of such movements happening.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in key assumptions</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(Decrease)/ Increase in UKRF defined benefit obligation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(Decrease)/ Increase in UKRF defined benefit obligation</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£bn</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£bn</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5% p.a. increase</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% p.a. increase</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% p.a. decrease</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5% p.a. decrease</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assumed RPI</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5% p.a. increase</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% p.a. increase</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% p.a. decrease</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5% p.a. decrease</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.8)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life expectancy at 60</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">One year increase</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">One year decrease</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.5)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.2)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Assets</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A long-term investment strategy has been set for the UKRF, with its asset allocation comprising a mixture of equities, bonds, property and other appropriate assets. This recognises that different asset classes are likely to produce different long-term returns and some asset classes may be more volatile than others. The long-term investment strategy ensures, among other aims, that investments are adequately diversified.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The value of the assets of the schemes and their percentage in relation to total scheme assets were as follows:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:32.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.199%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of scheme assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Of which relates to UKRF</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unquoted</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% of total fair value of <br/>scheme assets<br/>%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unquoted</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% of total fair value of <br/>scheme assets<br/>%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equities </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,734 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,734 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,734 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,734 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - fixed government</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,353 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,353 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,098 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,098 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - index-linked government</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,847 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,847 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,829 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,829 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - corporate and other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,884 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,551 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,435 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,690 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,551 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,241 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,310 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,323 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,310 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,310 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Infrastructure</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">793 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">790 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,583 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">793 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">790 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,583 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge funds</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,373 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,837)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,857)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7.3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,837)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,857)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7.5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Longevity reinsurance contracts</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and liquid assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,776)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,286 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,510 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,789)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,286 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,497 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mixed investment funds</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of scheme assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,236 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,124 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,360 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,601 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,079 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,680 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equities </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">294 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">294 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - fixed government</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,384 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,545 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,080 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,241 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - index-linked government</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,375 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,375 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,352 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,352 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - corporate and other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,498 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,949 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,214 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,498 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,712 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,504 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Infrastructure</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,815 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,815 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,815 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,815 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,365 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,365 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,365 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,365 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Longevity reinsurance contract</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and liquid assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,865)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,275 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">410 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,878)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,275 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mixed investment funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of scheme assets</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,683 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,784 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,467 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,936 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,742 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,678 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Valuation of unquoted assets is provided by the underlying managers or qualified independent valuers. Valuations of complex instruments are based on UKRF custodian valuations. The valuation for some of the unquoted assets, in particular Private equities, is based on valuations as at 30 September 2022 adjusted by cash flows, these being the latest available valuations as at the point of publication. All valuations are determined in accordance with relevant industry guidance.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Cash and liquid assets for the UKRF consists of £521m (2021: £488m) Cash, £80m (2021: £93m) Receivables/payables, £3,286m (2021:£2,275m) Pooled cash funds and £(2,390)m (2021: £(2,459)m) Repurchase agreements.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c The asset allocation for 2021 has been re-presented to reflect the re-interpretation of the asset classifications as well as a reclassification of £1.2bn between unquoted/quoted bonds, in a manner that management believes better represents the underlying nature of the assets.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Included within the fair value of UKRF scheme assets was nil (2021: nil) relating to shares in Barclays PLC and nil (2021: nil) relating to bonds issued by Barclays PLC. The UKRF also invests in pooled investment vehicles which may hold shares or debt issued by Barclays PLC.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There has been no significant change in the UKRF investment strategy over the year, however, given the movement in the gilt and bond yields over the year, the relative weights of assets classes have changed. No additional support from the Group was required in response to the market volatility experienced over the year.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The UKRF assets as at 31 December 2021 do not include the Senior Notes referred to in the section below on Triennial Valuation, as these were non-transferable instruments and not recognised under IAS 19. The Senior Notes were redeemed in December 2022, and the redemption proceeds are now included in Cash and Liquid Assets as at 31 December 2022.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Approximately 34% of the UKRF assets are invested in liability-driven investment strategies; primarily UK gilts as well as interest rate and inflation swaps. These swaps are used to better match the assets to its liabilities. The swaps are used to reduce the scheme’s inflation and duration risks against its liabilities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The UKRF employs derivative instruments, where appropriate, to match assets more closely to liabilities, or to achieve a desired exposure or return. The value of assets shown reflects the assets held by the UKRF, with any derivative holdings reflected on a fair value basis. The UKRF uses repurchase agreements and reverse repurchase agreements to achieve the Trustee’s liability hedging objective. Investment managers are allowed to undertake repo transactions on the UKRF’s existing gilt holdings to raise cash with which to buy additional gilts for efficient portfolio management; and reverse repo transactions to receive gilts and be paid a fee for providing cash.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For information on the UKRF Trustee’s approach to Responsible Investment and Climate Risk, in the context of managing the UKRF, please refer to the UKRF Trustee website at https://epa.towerswatson.com/accounts/barclays/public/barclays-bank-responsible-investment-policy/.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Triennial valuation</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The latest triennial actuarial valuation of the UKRF showed a funding surplus of £2.0bn at 30 September 2022 (2021 update: £0.6bn surplus). The improvement was mainly due to £294m of deficit reduction contributions, changes to views on life expectancy and inflationary returns on assets relative to liabilities being better than expected. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The main differences between the funding and accounting assumptions are a different approach to setting the discount rate and a more conservative longevity assumption for funding.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As the UKRF has a funding surplus, the 2023 deficit reduction contribution (£286m), agreed as part of the 2019 triennial actuarial valuation, is no longer required, and a new recovery plan was not required.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As part of the 2022 triennial valuation, the Trustee and Barclays Bank PLC agreed an annual adequacy test on a basis more prudent than the IAS 19 or funding bases. Should the UKRF be sufficiently funded on this basis, the regular employer contributions to the UKRF to fund future Afterwork accrual will not be required in the following calendar year. The test will be reviewed at the 2025 triennial valuation. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The next funding valuation of the UKRF is due to be completed in 2026 with an effective date of 30 September 2025.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Subscription for Fixed rate notes</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">During 2019 and 2020 the UKRF subscribed for non-transferable listed senior fixed rate notes for £1,250m, backed by UK gilts (the Senior Notes). These investments were partially financed by £1,000m deficit reduction contributions. The Senior Notes were issued by two entities consolidated in the Barclays Bank Group under IFRS 10: Heron Issuer Limited (Heron) for £500m and Heron Issuer Number 2 Limited (Heron 2) for £750m. The Senior Notes entitled the UKRF to semi-annual coupon payments for five years, and full repayment in cash in three tranches: £250m in 2023, £750m in 2024 and £250m at final maturity in 2025. Heron and Heron 2 acquired a total of £1,500m of gilts from Barclays Bank PLC for cash to support payments on the Senior Notes. Barclays Bank PLC subscribed for the junior notes issued by Heron and Heron 2 for £250m. The regulatory capital impact, which otherwise would have occurred in 2019 and 2020 from the regular deficit reduction contributions, would have been deferred until 2023, 2024 and 2025 upon maturity of the Senior Notes.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As part of the planned early unwind of these transactions disclosed in Barclays PLC’s Q1 2022 Results Announcement, Barclays Bank PLC purchased the Senior Notes at fair value from the UKRF for cash in December 2022. The UKRF’s investment in the Senior Notes did not qualify as a plan asset under IAS 19; so the purchase of the Senior Notes for cash increased IAS 19 plan assets by £1,250m and thereby accelerated the regulatory capital impact of the deficit reduction contributions to 2022 from 2023, 2024 and 2025. Barclays Bank PLC subsequently reacquired the gilts held by Heron and Heron 2 in exchange for the redemption of all the fixed rate notes. The gilts were disposed of by Barclays Bank PLC prior to year end.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other support measures agreed which remain in place</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Collateral – Barclays Bank PLC has entered into an agreement with the UKRF Trustee to provide collateral to cover at least 100% of any funding deficit with an overall cap of £9bn, to provide security for the UKRF funding deficit as it increases or decreases over time. The collateral pool is currently zero, reflecting the surplus funding position. The arrangement provides the UKRF Trustee with dedicated access to the pool of assets in the event of Barclays Bank PLC not paying a deficit reduction contribution to the UKRF or in the event of Barclays Bank PLC’s insolvency. </span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Participation – As permitted under the Financial Services and Markets Act 2000 (Banking Reform) (Pensions) Regulations 2016, Barclays Bank UK PLC is a participating employer in the UKRF and will remain so during a transitional phase until September 2025 as set out in a deed of participation. Barclays Bank UK PLC will make contributions for the future service of its employees who are currently Afterwork members and, in the event of Barclays Bank PLC’s insolvency during this period provision has been made to require Barclays Bank UK PLC to become the principal employer of the UKRF. Barclays Bank PLC’s Section 75 debt would be triggered by the insolvency (the debt would be calculated after allowing for the payment to the UKRF of the collateral above).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Defined benefit contributions paid with respect to the UKRF were as follows:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:87.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contributions paid</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,785 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">955 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2020</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">748 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There were nil (2021: nil) Section 75 contributions included within the Group’s contributions paid as no participating employers left the UKRF in 2022.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s expected contribution to the UKRF in respect of defined benefits in 2023 is £38m (2022: £546m). In addition, the expected contributions to UK defined contribution schemes in 2023 is £32m (2022: £33m) to the UKRF and £243m (2022: £221m) to the BPSP.</span></div> | |
| CY2022 | ifrs-full |
Current Service Cost Net Defined Benefit Liability Asset
CurrentServiceCostNetDefinedBenefitLiabilityAsset
|
227000000 | gbp |
| CY2021 | ifrs-full |
Current Service Cost Net Defined Benefit Liability Asset
CurrentServiceCostNetDefinedBenefitLiabilityAsset
|
247000000 | gbp |
| CY2020 | ifrs-full |
Current Service Cost Net Defined Benefit Liability Asset
CurrentServiceCostNetDefinedBenefitLiabilityAsset
|
243000000 | gbp |
| CY2022 | ifrs-full |
Interest Expense Income Net Defined Benefit Liability Asset
InterestExpenseIncomeNetDefinedBenefitLiabilityAsset
|
-122000000 | gbp |
| CY2021 | ifrs-full |
Interest Expense Income Net Defined Benefit Liability Asset
InterestExpenseIncomeNetDefinedBenefitLiabilityAsset
|
-26000000 | gbp |
| CY2022 | ifrs-full |
Past Service Cost Net Defined Benefit Liability Asset
PastServiceCostNetDefinedBenefitLiabilityAsset
|
20000000 | gbp |
| CY2021 | ifrs-full |
Past Service Cost Net Defined Benefit Liability Asset
PastServiceCostNetDefinedBenefitLiabilityAsset
|
0 | gbp |
| CY2020 | ifrs-full |
Past Service Cost Net Defined Benefit Liability Asset
PastServiceCostNetDefinedBenefitLiabilityAsset
|
-4000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease Through Other Changes Net Defined Benefit Liability Asset
IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset
|
3000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease Through Other Changes Net Defined Benefit Liability Asset
IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset
|
3000000 | gbp |
| CY2020 | ifrs-full |
Increase Decrease Through Other Changes Net Defined Benefit Liability Asset
IncreaseDecreaseThroughOtherChangesNetDefinedBenefitLiabilityAsset
|
1000000 | gbp |
| CY2022 | ifrs-full |
Increase Decrease In Net Defined Benefit Liability Asset
IncreaseDecreaseInNetDefinedBenefitLiabilityAsset
|
128000000 | gbp |
| CY2021 | ifrs-full |
Increase Decrease In Net Defined Benefit Liability Asset
IncreaseDecreaseInNetDefinedBenefitLiabilityAsset
|
224000000 | gbp |
| CY2020 | ifrs-full |
Increase Decrease In Net Defined Benefit Liability Asset
IncreaseDecreaseInNetDefinedBenefitLiabilityAsset
|
200000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Net Defined Benefit Liability Asset Explanatory
DisclosureOfNetDefinedBenefitLiabilityAssetExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:54.521%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance sheet reconciliation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Of which relates to UKRF</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Of which relates to UKRF</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefit obligation at beginning of the year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31,899)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,859)</span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33,190)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32,108)</span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(227)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(197)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(247)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(225)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest costs on scheme liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(724)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(707)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(422)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(405)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurement (loss)/gain – financial</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,995 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,734 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">848 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">820 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurement (loss)/gain – demographic</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">268 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">270 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurement (loss)/gain – experience</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(521)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(510)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(249)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(259)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employee contributions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefits paid</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,339 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,299 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,309 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,268 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(88)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefit obligation at end of the year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20,881)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19,990)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31,899)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,859)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of scheme assets at beginning of the year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,467 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,678 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,713 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,915 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income on scheme assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">846 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">829 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">448 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">434 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer contribution</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,808 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,785 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">971 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">955 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurement – return on scheme assets (less)/greater than discount rate</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,510)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,313)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">653 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">642 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employee contributions</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefits paid</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,339)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,299)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,309)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,268)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other movements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of scheme assets at end of the year</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,360 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,680 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,467 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,678 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net surplus</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,479 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,690 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,568 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,819 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retirement benefit assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,743 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,690 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,879 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,819 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retirement benefit liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(264)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(311)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net retirement benefit assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,479 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,690 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,568 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,819 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022Q4 | ifrs-full |
Surplus Deficit In Plan
SurplusDeficitInPlan
|
4479000000 | gbp |
| CY2021Q4 | ifrs-full |
Surplus Deficit In Plan
SurplusDeficitInPlan
|
3568000000 | gbp |
| CY2022Q4 | ifrs-full |
Recognised Assets Defined Benefit Plan
RecognisedAssetsDefinedBenefitPlan
|
4743000000 | gbp |
| CY2021Q4 | ifrs-full |
Recognised Assets Defined Benefit Plan
RecognisedAssetsDefinedBenefitPlan
|
3879000000 | gbp |
| CY2022Q4 | ifrs-full |
Recognised Liabilities Defined Benefit Plan
RecognisedLiabilitiesDefinedBenefitPlan
|
264000000 | gbp |
| CY2021Q4 | ifrs-full |
Recognised Liabilities Defined Benefit Plan
RecognisedLiabilitiesDefinedBenefitPlan
|
311000000 | gbp |
| CY2022Q4 | ifrs-full |
Liability Asset Of Defined Benefit Plans
LiabilityAssetOfDefinedBenefitPlans
|
-4479000000 | gbp |
| CY2021Q4 | ifrs-full |
Liability Asset Of Defined Benefit Plans
LiabilityAssetOfDefinedBenefitPlans
|
-3568000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Sensitivity Analysis For Actuarial Assumptions Explanatory
DisclosureOfSensitivityAnalysisForActuarialAssumptionsExplanatory
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<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Key UKRF financial assumptions</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% p.a.</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% p.a.</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.80 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.84 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation rate (RPI)</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.21 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.56 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>The table below shows how the assumed life expectancy at 60, for members of the UKRF, has varied over the past three years:<div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:65.763%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assumed life expectancy</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life expectancy at 60 for current pensioners (years)</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– Males</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26.8</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27.2</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– Females</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.5</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.6</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.4</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life expectancy at 60 for future pensioners currently aged 40 (years)</span></div></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– Males</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28.3</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.1</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.0</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– Females</span></td><td colspan="3" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.0</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.4</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31.2</span></td></tr></table></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The UKRF entered into a longevity reinsurance contract in 2022 covering</span><span style="color:#ff0090;font-family:'Expert Sans Regular',sans-serif;font-size:8pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">£7bn of the pensioner liabilities. This is in addition to a £5bn transaction executed in 2020. In total, over three-quarters of the longevity risk for current pensioners has been reinsured, and the transactions will provide income to the UKRF in the event that pensions are paid out for longer than expected. The contracts form part of the UKRF’s investment portfolio. At 31 December 2022, the contracts are valued at £(123)m (2021: nil). The negative value placed on the longevity reinsurance contracts at 31 December 2022 reflects the estimated impact of changes in the reinsurance market, demographic assumptions and risk premia since the 2020 transaction was entered into by the UKRF. The 2022 transaction is valued at nil as it is assessed to have been transacted recently at fair value.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Sensitivity analysis on actuarial assumptions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The sensitivity analysis has been calculated by valuing the UKRF liabilities using the amended assumptions shown in the table below and keeping the remaining assumptions the same as disclosed in the table above, except in the case of the inflation sensitivity where other assumptions that depend on assumed inflation have also been amended correspondingly. The difference between the recalculated liability figure and that stated in the balance sheet reconciliation table above is the figure shown. The selection of these movements to illustrate the sensitivity of the defined benefit obligation to key assumptions should not be interpreted as Barclays expressing any specific view of the probability of such movements happening.</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.808%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.945%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.947%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in key assumptions</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(Decrease)/ Increase in UKRF defined benefit obligation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">(Decrease)/ Increase in UKRF defined benefit obligation</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£bn</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£bn</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5% p.a. increase</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.3)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% p.a. increase</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.6)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% p.a. decrease</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5% p.a. decrease</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assumed RPI</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5% p.a. increase</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% p.a. increase</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% p.a. decrease</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.4)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5% p.a. decrease</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.8)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life expectancy at 60</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">One year increase</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">One year decrease</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.5)</span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.2)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022 | ifrs-full |
Disclosure Of Fair Value Of Plan Assets Explanatory
DisclosureOfFairValueOfPlanAssetsExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The value of the assets of the schemes and their percentage in relation to total scheme assets were as follows:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:32.529%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.196%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.199%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Analysis of scheme assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="12" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Of which relates to UKRF</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unquoted</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% of total fair value of <br/>scheme assets<br/>%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Unquoted</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Value<br/>£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">% of total fair value of <br/>scheme assets<br/>%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equities </span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,734 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,734 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,734 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,734 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - fixed government</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,353 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,353 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,098 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,098 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - index-linked government</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,847 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,847 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,829 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,829 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - corporate and other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,884 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,551 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,435 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,690 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,551 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,241 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,310 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,323 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,310 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,310 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Infrastructure</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">793 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">790 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,583 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">793 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">790 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,583 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge funds</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,373 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,837)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,857)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7.3)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,837)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,857)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7.5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Longevity reinsurance contracts</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(123)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.5)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and liquid assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,776)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,286 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,510 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,789)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,286 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,497 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mixed investment funds</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of scheme assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,236 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,124 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,360 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,601 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,079 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,680 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equities </span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">294 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">294 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Private equities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,113 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - fixed government</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,384 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,545 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,080 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,241 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - index-linked government</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,375 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,375 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,352 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,352 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bonds - corporate and other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,451 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,498 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,949 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,214 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,498 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,712 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,504 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Infrastructure</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,815 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,815 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,815 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,815 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,365 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,365 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,365 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,365 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Longevity reinsurance contract</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and liquid assets</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,865)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,275 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">410 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,878)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,275 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mixed investment funds</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">—</span></td></tr><tr><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of scheme assets</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">c</span></div></td><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,683 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,784 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,467 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,936 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,742 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,678 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Valuation of unquoted assets is provided by the underlying managers or qualified independent valuers. Valuations of complex instruments are based on UKRF custodian valuations. The valuation for some of the unquoted assets, in particular Private equities, is based on valuations as at 30 September 2022 adjusted by cash flows, these being the latest available valuations as at the point of publication. All valuations are determined in accordance with relevant industry guidance.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Cash and liquid assets for the UKRF consists of £521m (2021: £488m) Cash, £80m (2021: £93m) Receivables/payables, £3,286m (2021:£2,275m) Pooled cash funds and £(2,390)m (2021: £(2,459)m) Repurchase agreements.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">c The asset allocation for 2021 has been re-presented to reflect the re-interpretation of the asset classifications as well as a reclassification of £1.2bn between unquoted/quoted bonds, in a manner that management believes better represents the underlying nature of the assets.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Significant Investments In Subsidiaries Explanatory
DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory
|
Principal subsidiaries<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IFRS 10 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Consolidated Financial Statements.</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> The consolidated financial statements combine the financial statements of the Group and all its subsidiaries. Subsidiaries are entities over which the Group has control. Under IFRS 10, this is when the Group is exposed or has rights to variable returns from its involvement in the entity and has the ability to affect those returns through its power over the entity.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group reassesses whether it controls an entity if facts and circumstances indicate that there have been changes to its power, its rights to variable returns or its ability to use its power to affect the amount of its returns.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Intra-group transactions and balances are eliminated on consolidation and consistent accounting policies are used throughout the Group for the purposes of the consolidation. Changes in ownership interests in subsidiaries are accounted for as equity transactions if they occur after control has been obtained and they do not result in loss of control.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The significant judgements used in applying this policy are set out below.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for investment in subsidiaries</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In the individual financial statements of Barclays PLC, investments in subsidiaries are stated at cost less impairment.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Principal subsidiaries for the Group are set out below. This includes those subsidiaries that are most significant in the context of the Group’s business, results or financial position.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:21.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.965%"/><td style="width:0.1%"/></tr><tr style="height:39pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Principal place of business or incorporation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Percentage of voting rights held</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-controlling interests - proportion of ownership interests</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-controlling interests - proportion of voting interests</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Company name</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nature of business</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank PLC</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking, holding company</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank UK PLC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking, holding company</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank Ireland PLC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ireland</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Execution Services Limited</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Service company</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Capital Inc.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities dealing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Capital Securities Limited</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities dealing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Securities Japan Limited</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Japan</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities dealing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays US LLC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Holding company</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank Delaware</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United States</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit card issuer </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The country of registration or incorporation is also the principal area of operation of each of the above subsidiaries. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Ownership interests are in some cases different to voting interests due to the existence of non-voting equity interests, such as preference shares. Refer to Note 30 for more information. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Determining whether the Group has control of an entity is generally straightforward based on ownership of the majority of the voting capital. However, in certain instances, this determination will involve judgement, particularly in the case of structured entities where voting rights are often not the determining factor in decisions over the relevant activities. This judgement will involve assessing the purpose and design of the entity. It will also often be necessary to consider whether the Group, or another involved party with power over the relevant activities, is acting as a principal in its own right or as an agent on behalf of others. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There is also often considerable judgement involved in the ongoing assessment of control over structured entities. In this regard, where market conditions have deteriorated such that the other investors’ exposures to the structure’s variable returns have been substantively eliminated, the Group may conclude that the managers of the structured entity are acting as its agent and therefore will consolidate the structured entity. </span></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:110%">An interest in equity voting rights exceeding 50% would typically indicate that the Group has control of an entity. However, the entity set out below is excluded from consolidation because the Group does not have exposure to its variable returns. </span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Percentage of voting rights held</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity shareholders' funds</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Retained profit for the year</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Company name</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Country of registration or incorporation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Palomino Limited</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cayman Islands</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">This entity is managed by an external counterparty and consequently is not controlled by the Group. Interests relating to this entity are included in Note 35.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Significant restrictions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As is typical for a group of its size and international scope, there are restrictions on the ability of Barclays PLC to obtain distributions of capital, access the assets or repay the liabilities of members of its Group due to the statutory, regulatory and contractual requirements of its subsidiaries and due to the protective rights of non-controlling interests. These are considered below.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Regulatory requirements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays’ principal subsidiary companies have assets and liabilities before intercompany eliminations of £1,962bn (2021: £1,833bn) and £1,869bn (2021: £1,737bn) respectively. Certain of these assets and liabilities are subject to prudential regulation and regulatory capital requirements in the countries in which they are regulated. These require entities to maintain minimum capital levels which cannot be returned to the parent company, Barclays PLC, on a going concern basis. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In order to meet capital requirements, subsidiaries may issue certain equity-accounted and debt-accounted financial instruments and non-equity instruments such as Tier 1 and Tier 2 capital instruments and other forms of subordinated liabilities. Refer to Note 27 and Note 28 for particulars of these instruments. These instruments may be subject to cancellation clauses or preference share restrictions that would limit the ability of the entity to repatriate the capital on a timely basis.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Liquidity requirements</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Regulated subsidiaries of the Group are required to meet applicable PRA or local regulatory requirements pertaining to liquidity. Some of the regulated subsidiaries include Barclays Bank PLC and Barclays Capital Securities Limited (which are regulated on a combined basis under a Domestic Liquidity Sub-Group (DoLSub) arrangement), Barclays Bank UK PLC, Barclays Bank Ireland PLC, Barclays Capital Inc. and Barclays Bank Delaware. Refer to the Liquidity risk section for further details of liquidity requirements, including those of the Group’s significant subsidiaries.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Statutory requirements </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s subsidiaries are subject to statutory requirements not to make distributions of capital and unrealised profits and generally to maintain solvency. These requirements restrict the ability of subsidiaries to make remittances of dividends to Barclays PLC, the ultimate parent, except in the event of a legal capital reduction or liquidation. In most cases, the regulatory restrictions referred to above exceed the statutory restrictions.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Asset encumbrance</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group uses its financial assets to raise finance in the form of securitisations and through the liquidity schemes of central banks, as well as to provide security to the UK Retirement Fund. Once encumbered, the assets are not available for transfer around the Group. The assets typically affected are disclosed in Note 38.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other restrictions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group is required to maintain balances with central banks and other regulatory authorities, and these amounted to £3,457m (2021: £4,750m).</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Subsidiaries Explanatory
DescriptionOfAccountingPolicyForSubsidiariesExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for investment in subsidiaries</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In the individual financial statements of Barclays PLC, investments in subsidiaries are stated at cost less impairment.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Information About Consolidated Structured Entities Explanatory
DisclosureOfInformationAboutConsolidatedStructuredEntitiesExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:21.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.171%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.961%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.965%"/><td style="width:0.1%"/></tr><tr style="height:39pt"><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Principal place of business or incorporation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Percentage of voting rights held</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-controlling interests - proportion of ownership interests</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Non-controlling interests - proportion of voting interests</span></td></tr><tr style="height:11pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Company name</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Nature of business</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank PLC</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking, holding company</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank UK PLC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking, holding company</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank Ireland PLC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ireland</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Execution Services Limited</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Service company</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Capital Inc.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities dealing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Capital Securities Limited</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United Kingdom</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities dealing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Securities Japan Limited</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Japan</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities dealing</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays US LLC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United States</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Holding company</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Barclays Bank Delaware</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">United States</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit card issuer </span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022 | ifrs-full |
Disclosure Of Interests In Unconsolidated Structured Entities Explanatory
DisclosureOfInterestsInUnconsolidatedStructuredEntitiesExplanatory
|
<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Percentage of voting rights held</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Equity shareholders' funds</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Retained profit for the year</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Company name</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Country of registration or incorporation</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">%</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Palomino Limited</span></td><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cayman Islands</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022Q4 | ifrs-full |
Mandatory Reserve Deposits At Central Banks
MandatoryReserveDepositsAtCentralBanks
|
3457000000 | gbp |
| CY2021Q4 | ifrs-full |
Mandatory Reserve Deposits At Central Banks
MandatoryReserveDepositsAtCentralBanks
|
4750000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Information About Interests In Structured Entity Explanatory
DisclosureOfInformationAboutInterestsInStructuredEntityExplanatory
|
Structured entities<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A structured entity is an entity in which voting or similar rights are not the dominant factor in deciding who controls the entity. Voting rights may relate to administrative tasks only, with the relevant activities of the entity being directed by means of contractual arrangements. Structured entities are generally created to achieve a narrow and well-defined objective with restrictions around their ongoing activities. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Depending on the Group’s power over the activities of the entity and its exposure to and ability to influence its own returns, it may consolidate the entity. In other cases, it may sponsor or have exposure to such an entity but not consolidate it.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Consolidated structured entities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group has contractual arrangements which may require it to provide financial support to the following types of consolidated structured entities:</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">Securitisation vehicles: The Group uses securitisation as a source of financing and a means of risk transfer. Where entities are controlled by the Group, they are consolidated. Refer to Note 37 for further detail.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Commercial Paper (CP) conduits: These entities issue CP and use the proceeds to lend to clients as part of the Group's multi-seller conduit programme. The Group has provided £20.8bn (2021: £17.2bn) in contractual liquidity facilities to the CP conduits that the Group consolidates. These amounts represent the maximum the conduits can lend externally. The amounts of CP conduit lending (drawn and undrawn) to unconsolidated structured entities can be seen in Other interests in unconsolidated structured entities under multi-seller conduit programme in the Nature of interest table.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Employee benefit trusts: The Group provides capital contributions to employee benefit trusts to enable them to meet obligations to employees in relation to share-based remuneration arrangements.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Tender Option Bond (TOB) trusts: During 2022, the Group provided undrawn liquidity facilities of £3.8bn (2021: £3.3bn) to consolidated TOB trusts. These trusts invest in fixed income instruments issued by state, local or other municipalities in the United States, funded by long-term senior floating-rate notes and junior residual securities. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Unconsolidated structured entities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The term ‘unconsolidated structured entities’ refers to structured entities not controlled by Barclays, and are established either by Barclays or a third party. An interest in a structured entity is any form of contractual or non-contractual involvement which creates variability in returns arising from the performance of the entity for the Group. Such interests include holdings of debt or equity securities, derivatives that transfer financial risks from the entity to the Group, lending, loan commitments, financial guarantees and investment management agreements.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group enters into transactions with unconsolidated structured entities in the normal course of business to facilitate customer transactions, to provide risk management services and for specific investment opportunities. This is predominantly within the CIB business. Structured entities may take the form of funds, trusts, securitisation vehicles, and private investment companies. The largest transactions for Barclays include loans and derivatives with hedge fund structures and special purpose entities, multi-seller conduit lending, holding notes issued by securitisation vehicles, and facilitating customer requirements through funds.</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The nature and extent of the Group’s interests in structured entities is summarised below:</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:43.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Summary of interests in unconsolidated structured entities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Secured financing</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Short-term traded interests</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Traded derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other interests</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,632 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,632 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,166 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,459 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77,625 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,555 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,555 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">423 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">423 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,283 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,632 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,555 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,243 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,460 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,460 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,170 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,170 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,816 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,306 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,160 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,160 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,920 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,170 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,160 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,825 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106,075 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,543 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,543 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Secured financing arrangements, short-term traded interests and traded derivatives are typically managed under Market risk management policies described in the Market risk management section which includes an indication of the change of risk measures compared to last year. For this reason, the total assets of these entities are not considered meaningful for the purposes of understanding the related risks and so have not been presented. Other interests include conduits and lending where the interest is driven by normal customer demand. As at 31 December 2022, there were 6,267 (2021: 5,891) structured entities that Barclays entered into transactions with.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Secured financing </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group routinely enters into reverse repurchase contracts, margin lending, stock borrowing and similar arrangements on normal commercial terms where the counterparty to the arrangement is a structured entity. Due to the nature of these arrangements, especially the transfer of collateral and ongoing margining, the Group is able to manage its variable exposure to the performance of the structured entity counterparty. The counterparties included in secured financing mainly include hedge fund limited structures, investment companies and special purpose entities.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Short-term traded interests</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As part of its market making activities, the Group buys and sells interests in structured vehicles, which are predominantly debt securities issued by asset securitisation vehicles. Such interests are typically held individually or as part of a larger portfolio for no more than 90 days. In such cases, the Group typically has no other involvement with the structured entity other than the securities it holds as part of trading activities and its maximum exposure to loss is restricted to the carrying value of the asset.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Traded derivatives</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group enters into a variety of derivative contracts with structured entities which reference market risk variables such as interest rates, equities, foreign exchange rates and credit indices among other things. The main derivative types which are considered interests in structured entities include equity options, index-based and entity-specific credit default swaps, and total return swaps. Interest rate swaps and foreign exchange derivatives that are not complex and which expose the Group to insignificant credit risk by being senior in the payment waterfall of a securitisation and derivatives that are determined to introduce risk or variability to a structured entity are not considered to be an interest in an entity and have been excluded from the disclosures. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A description of the types of derivatives and the risk management practices are detailed in Note 14. The risk of loss may be mitigated through ongoing margining requirements as well as a right to cash flows from the structured entity which are senior in the payment </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">waterfall. Such margining requirements are consistent with market practice for many derivative arrangements and in line with the Group’s normal credit policies.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Derivative transactions require the counterparty to provide cash or other collateral under margining agreements to mitigate counterparty credit risk. The Group is mainly exposed to settlement risk on these derivatives which is mitigated through daily margining. Total notional contract amounts were £244,780m (2021: £217,055m).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Except for credit default swaps where the maximum exposure to loss is the swap notional amount, it is not possible to estimate the maximum exposure to loss in respect of derivative positions as the fair value of derivatives is subject to changes in market rates of interest, exchange rates and credit indices which by their nature are uncertain. In addition, the Group’s losses would be subject to mitigating action under its traded market risk and credit risk policies that require the counterparty to provide collateral in cash or other assets in most cases.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other interests in unconsolidated structured entities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s interests in structured entities not held for the purposes of short-term trading activities are set out below, summarised by the nature of the interest and limited to significant categories, based on maximum exposure to loss.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:43.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nature of interest</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Multi-seller conduit programme</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Lending</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Of which: Barclays owned, not consolidated entities</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,400 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,459 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,284 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">203 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">423 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,069 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,542 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet exposures</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,381 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,149 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,243 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,284 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet notional amounts</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,552 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,926 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,478 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maximum exposure to loss</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,265 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,307 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,149 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,721 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,284 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets of the entity</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,504 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160,002 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315,285 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,690 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,420 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,335 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,538 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,505 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet exposures</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,192 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,665 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,968 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,825 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,335 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet notional amounts</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,015 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,426 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,441 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maximum exposure to loss</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,207 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,091 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,968 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,266 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,335 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets of the entity</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,441 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">166,238 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,873 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">284,552 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,513 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Comprises of Barclays owned, not consolidated structured entities per IFRS 10 Consolidated Financial Statements, and Barclays sponsored entities, Refer to Note 34 Principal subsidiaries for more details on consolidation.<br/></span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Maximum exposure to loss</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Unless specified otherwise below, the Group’s maximum exposure to loss is the total of its on-balance sheet positions and its off-balance sheet arrangements, being loan commitments and financial guarantees. Exposure to loss is mitigated through collateral, financial guarantees, the availability of netting and credit protection held.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Multi-seller conduit programme</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays' multi-seller conduit programme engages in providing financing to various clients and holds whole or partial interests in pools of receivables or similar obligations. These instruments are protected from loss through over-collateralisation, seller guarantees, or other credit enhancements provided to the conduit entities. The Group’s off-balance sheet exposure included in the table above represents liquidity facilities that are provided to the conduit for the benefit of the holders of the commercial paper issued by the conduit and will only be drawn where the conduit is unable to access the commercial paper market. If these liquidity facilities are drawn, the Group is protected from loss through over-collateralisation, seller guarantees, or other credit enhancements provided to the conduit.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Lending</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The portfolio includes lending provided by the Group to unconsolidated structured entities in the normal course of its lending business to earn income in the form of interest and lending fees and includes loans to structured entities that are generally collateralised by property, equipment or other assets. All loans are subject to the Group’s credit sanctioning process. Collateral arrangements are </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">specific to the circumstances of each loan with additional guarantees and collateral sought from the sponsor of the structured entity for certain arrangements. During the period the Group incurred an impairment of £32m (2021: £28m) against such facilities.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">This includes fair value loans with structured entities where the market risk is materially hedged with corresponding derivative contracts, interests in debt securities issued by securitisation vehicles and drawn and undrawn loan facilities to these entities. In addition, other includes investment funds with interests restricted to management fees based on performance of the fund and trusts held on behalf of beneficiaries with interests restricted to unpaid fees.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Assets transferred to sponsored unconsolidated structured entities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays is considered to sponsor another entity if: it had a key role in establishing that entity, it transferred assets to the entity, the Barclays name appears in the name of the entity or it provides guarantees on the entity’s performance. As at 31 December 2022, assets transferred to sponsored unconsolidated structured entities were £1,665m (2021: £1,662m).</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Unconsolidated Structured Entities Explanatory
DisclosureOfUnconsolidatedStructuredEntitiesExplanatory
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The nature and extent of the Group’s interests in structured entities is summarised below:<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:43.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Summary of interests in unconsolidated structured entities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Secured financing</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Short-term traded interests</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Traded derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other interests</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,632 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,632 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,166 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,459 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77,625 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,555 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,555 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">423 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">423 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,283 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,632 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,555 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,243 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,460 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,460 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,170 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,170 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,816 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,306 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,160 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,160 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,920 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,170 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,160 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,825 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106,075 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,543 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,543 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s interests in structured entities not held for the purposes of short-term trading activities are set out below, summarised by the nature of the interest and limited to significant categories, based on maximum exposure to loss.</span></div><div style="margin-bottom:0.1pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:43.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nature of interest</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Multi-seller conduit programme</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Lending</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Total</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Of which: Barclays owned, not consolidated entities</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,400 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,459 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,284 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">203 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">423 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,681 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,069 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,542 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44,292 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet exposures</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,713 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,381 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,149 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47,243 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,284 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet notional amounts</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,552 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,926 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,478 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maximum exposure to loss</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,265 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,307 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,149 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,721 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,284 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets of the entity</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,504 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160,002 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88,779 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315,285 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,690 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,420 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,490 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,335 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,184 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,538 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,505 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,227 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total on-balance sheet exposures</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,192 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,665 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,968 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,825 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,335 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total off-balance sheet notional amounts</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,015 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,426 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,441 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maximum exposure to loss</span></td><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,207 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,091 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,968 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,266 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,335 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets of the entity</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,441 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">166,238 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,873 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">284,552 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,513 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Comprises of Barclays owned, not consolidated structured entities per IFRS 10 Consolidated Financial Statements, and Barclays sponsored entities, Refer to Note 34 Principal subsidiaries for more details on consolidation.<br/></span></div> | |
| CY2022Q4 | bcs |
Number Of Structured Entities
NumberOfStructuredEntities
|
6267000000 | entity |
| CY2022 | ifrs-full |
Assets Transferred To Structured Entities At Time Of Transfer
AssetsTransferredToStructuredEntitiesAtTimeOfTransfer
|
1665000000 | gbp |
| CY2021 | ifrs-full |
Assets Transferred To Structured Entities At Time Of Transfer
AssetsTransferredToStructuredEntitiesAtTimeOfTransfer
|
1662000000 | gbp |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Investment In Associates And Joint Ventures Explanatory
DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for associates and joint ventures</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group applies IAS 28 </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Investments in Associates and IFRS 11 Joint Arrangements. </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Associates are entities in which the Group has significant influence, but not control, over the operating and financial policies. Generally the Group holds more than 20% but less than 50% of their voting shares. Joint ventures are arrangements where the Group has joint control and rights to the net assets of the entity. </span></div>The Group’s investments in associates and joint ventures are initially recorded at cost and increased (or decreased) each year by the Group’s share of the post acquisition profit/(loss). The Group ceases to recognise its share of the losses of equity accounted associates when its share of the net assets and amounts due from the entity have been written off in full, unless it has a contractual or constructive obligation to make good its share of the losses. In some cases, investments in these entities may be held at fair value through profit or loss, for example, those held by private equity businesses. | |
| CY2022Q4 | ifrs-full |
Investments In Associates Accounted For Using Equity Method
InvestmentsInAssociatesAccountedForUsingEquityMethod
|
695000000 | gbp |
| CY2022Q4 | ifrs-full |
Investments In Joint Ventures Accounted For Using Equity Method
InvestmentsInJointVenturesAccountedForUsingEquityMethod
|
227000000 | gbp |
| CY2022Q4 | ifrs-full |
Investment Accounted For Using Equity Method
InvestmentAccountedForUsingEquityMethod
|
922000000 | gbp |
| CY2021Q4 | ifrs-full |
Investments In Associates Accounted For Using Equity Method
InvestmentsInAssociatesAccountedForUsingEquityMethod
|
722000000 | gbp |
| CY2021Q4 | ifrs-full |
Investments In Joint Ventures Accounted For Using Equity Method
InvestmentsInJointVenturesAccountedForUsingEquityMethod
|
277000000 | gbp |
| CY2021Q4 | ifrs-full |
Investment Accounted For Using Equity Method
InvestmentAccountedForUsingEquityMethod
|
999000000 | gbp |
| CY2022Q4 | ifrs-full |
Fair Value Of Investments In Associates Where Price Quotations Published
FairValueOfInvestmentsInAssociatesWherePriceQuotationsPublished
|
0 | gbp |
| CY2022Q4 | ifrs-full |
Fair Value Of Investment In Joint Ventures Where Price Quotations Published
FairValueOfInvestmentInJointVenturesWherePriceQuotationsPublished
|
435000000 | gbp |
| CY2022Q4 | bcs |
Fair Value Of Investments In Associates And Joint Ventures For Which There Are Quoted Market Prices
FairValueOfInvestmentsInAssociatesAndJointVenturesForWhichThereAreQuotedMarketPrices
|
435000000 | gbp |
| CY2021Q4 | ifrs-full |
Fair Value Of Investments In Associates Where Price Quotations Published
FairValueOfInvestmentsInAssociatesWherePriceQuotationsPublished
|
0 | gbp |
| CY2021Q4 | ifrs-full |
Fair Value Of Investment In Joint Ventures Where Price Quotations Published
FairValueOfInvestmentInJointVenturesWherePriceQuotationsPublished
|
444000000 | gbp |
| CY2021Q4 | bcs |
Fair Value Of Investments In Associates And Joint Ventures For Which There Are Quoted Market Prices
FairValueOfInvestmentsInAssociatesAndJointVenturesForWhichThereAreQuotedMarketPrices
|
444000000 | gbp |
| CY2022Q4 | ifrs-full |
Investments In Associates
InvestmentsInAssociates
|
695000000 | gbp |
| CY2022Q4 | ifrs-full |
Investments In Joint Ventures
InvestmentsInJointVentures
|
662000000 | gbp |
| CY2022Q4 | ifrs-full |
Investments In Subsidiaries Joint Ventures And Associates
InvestmentsInSubsidiariesJointVenturesAndAssociates
|
1357000000 | gbp |
| CY2021Q4 | ifrs-full |
Investments In Associates
InvestmentsInAssociates
|
722000000 | gbp |
| CY2021Q4 | ifrs-full |
Investments In Joint Ventures
InvestmentsInJointVentures
|
721000000 | gbp |
| CY2021Q4 | ifrs-full |
Investments In Subsidiaries Joint Ventures And Associates
InvestmentsInSubsidiariesJointVenturesAndAssociates
|
1443000000 | gbp |
| CY2022 | bcs |
Contributions To Associates And Joint Ventures
ContributionsToAssociatesAndJointVentures
|
0 | gbp |
| CY2021 | bcs |
Contributions To Associates And Joint Ventures
ContributionsToAssociatesAndJointVentures
|
0 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Transfers Of Financial Assets Explanatory
DisclosureOfTransfersOfFinancialAssetsExplanatory
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Securitisations<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for securitisations</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group uses securitisations as a source of finance and a means of risk transfer. Such transactions generally result in the transfer of contractual cash flows from portfolios of financial assets to holders of issued debt securities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Securitisations may, depending on the individual arrangement, result in continued recognition of the securitised assets and the recognition of the debt securities issued in the transaction; lead to partial continued recognition of the assets to the extent of the Group’s continuing involvement in those assets or lead to derecognition of the assets and the separate recognition, as assets or liabilities, of any rights and obligations created or retained in the transfer. Full derecognition only occurs when the Group transfers both its contractual right to receive cash flows from the financial assets, or retains the contractual rights to receive the cash flows, but assumes a contractual obligation to pay the cash flows to another party without material delay or reinvestment, and also transfers substantially all the risks and rewards of ownership, including credit risk, prepayment risk and interest rate risk.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In the course of its normal banking activities, the Group makes transfers of financial assets, either where legal rights to the cash flows from the asset are passed to the counterparty or beneficially, where the Group retains the rights to the cash flows but assumes a responsibility to transfer them to the counterparty. Depending on the nature of the transaction, this may result in derecognition of the assets in their entirety, partial derecognition or no derecognition of the assets subject to the transfer. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A summary of the main transactions, and the assets and liabilities and the financial risks arising from these transactions, is set out below:</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Transfers of financial assets that do not result in derecognition</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Securitisations</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group was party to securitisation transactions involving its credit card balances and other personal lending. In these transactions, the assets, interests in the assets, or beneficial interests in the cash flows arising from the assets, are transferred to a special purpose entity, which then issues interest bearing debt securities to third party investors. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Securitisations may, depending on the individual arrangement, result in continued recognition of the securitised assets and the recognition of the debt securities issued in the transaction. Partial continued recognition of the assets to the extent of the Group’s continuing involvement in those assets can also occur or derecognition of the assets and the separate recognition, as assets or liabilities, of any rights and obligations created or retained in the transfer. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the carrying amount of securitised assets that have not resulted in full derecognition, together with the associated liabilities, for each category of asset on the balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:32.627%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities </span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,324 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,761 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,537)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,460)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,262 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,382 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,225)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,219)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage Loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">496 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">439 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at FVTPL</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage Loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">330 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">330 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,150 </span></td><td style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,530 </span></td><td style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,557)</span></td><td style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,480)</span></td><td style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,303 </span></td><td style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,423 </span></td><td style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,225)</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,219)</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Balances included within loans and advances at amortised cost represent securitisations where substantially all the risks and rewards of the asset have been retained by the Group and balances included within Financial assets at FVTPL represent securitisations where the risks and rewards are neither substantially transferred nor retained.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The relationship between the transferred assets and the associated liabilities is that holders of notes may only look to cash flows from the securitised assets for payments of principal and interest due to them under the terms of their notes, although the contractual terms of their notes may be different to the maturity and interest of the transferred assets.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">If Barclays transfers a financial asset but does not transfer or retain substantially all the risk and rewards of the asset and retains control over it, the transferred assets is recognised to the extent of Barclays’ continuing involvement. In 2022, financial assets of £828m (2021: £249m) were transferred in this manner and the carrying value of the asset representing continued involvement is included in the table above.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For transfers of assets in relation to repurchase agreements, refer to Note 38.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Continuing involvement in financial assets that have been derecognised</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In some cases, the Group may have transferred a financial asset in its entirety but may have continuing involvement in it. This arises in asset securitisations where loans and asset backed securities were derecognised as a result of the Group’s involvement with asset backed securities, residential mortgage backed securities and commercial mortgage backed securities. Continuing involvement largely arises from providing financing into these structures in the form of retained notes, which do not bear first losses.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below shows the potential financial implications of such continuing involvement:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:42.686%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.999%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Continuing involvement</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gain from continuing involvement</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maximum exposure to loss</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cumulative to 31 December</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Type of transfer</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset backed securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Residential mortgage backed securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">913 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">907 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">913 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial mortgage backed securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">357 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,333 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,272 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,333 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset backed securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Residential mortgage backed securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial mortgage backed securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">910 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">906 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">910 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Assets which represent the Group’s continuing involvement in derecognised assets are recorded in Loans and advances at amortised cost and Debt securities at FVTPL.</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Derecognition Of Financial Instruments Explanatory
DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory
|
<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Accounting for securitisations</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group uses securitisations as a source of finance and a means of risk transfer. Such transactions generally result in the transfer of contractual cash flows from portfolios of financial assets to holders of issued debt securities.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Securitisations may, depending on the individual arrangement, result in continued recognition of the securitised assets and the recognition of the debt securities issued in the transaction; lead to partial continued recognition of the assets to the extent of the Group’s continuing involvement in those assets or lead to derecognition of the assets and the separate recognition, as assets or liabilities, of any rights and obligations created or retained in the transfer. Full derecognition only occurs when the Group transfers both its contractual right to receive cash flows from the financial assets, or retains the contractual rights to receive the cash flows, but assumes a contractual obligation to pay the cash flows to another party without material delay or reinvestment, and also transfers substantially all the risks and rewards of ownership, including credit risk, prepayment risk and interest rate risk.</span></div>In the course of its normal banking activities, the Group makes transfers of financial assets, either where legal rights to the cash flows from the asset are passed to the counterparty or beneficially, where the Group retains the rights to the cash flows but assumes a responsibility to transfer them to the counterparty. Depending on the nature of the transaction, this may result in derecognition of the assets in their entirety, partial derecognition or no derecognition of the assets subject to the transfer. | |
| CY2022 | ifrs-full |
Disclosure Of Financial Assets Transferred During Period Which Do Not Qualify For Derecognition Explanatory
DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table shows the carrying amount of securitised assets that have not resulted in full derecognition, together with the associated liabilities, for each category of asset on the balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:32.627%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.185%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="12" style="border-bottom:0.5pt solid #00aeef;border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities </span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Assets</span></td><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Liabilities </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount </span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #026dce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, unsecured and other retail lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,324 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,761 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,537)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,460)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,262 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,382 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,225)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,219)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage Loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">496 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">439 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at FVTPL</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage Loans</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">330 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">330 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,150 </span></td><td style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,530 </span></td><td style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,557)</span></td><td style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,480)</span></td><td style="background-color:#ebf5f7;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,303 </span></td><td style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,423 </span></td><td style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,225)</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,219)</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Disclosure Of Continuing Involvement In Derecognised Financial Assets Explanatory
DisclosureOfContinuingInvolvementInDerecognisedFinancialAssetsExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The table below shows the potential financial implications of such continuing involvement:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:42.686%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.999%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Continuing involvement</span><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:3.9pt;font-weight:400;line-height:120%;position:relative;top:-2.1pt;vertical-align:baseline">a</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Gain from continuing involvement</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying amount</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Maximum exposure to loss</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Cumulative to 31 December</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Type of transfer</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset backed securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Residential mortgage backed securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">913 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">907 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">913 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial mortgage backed securities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">357 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,333 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,272 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,333 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="background-color:#ebf5f7;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b6b6b6;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset backed securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Residential mortgage backed securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">574 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial mortgage backed securities</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">311 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">910 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">906 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">910 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17 </span></td><td style="border-bottom:1pt solid #b6b6b6;border-top:1pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Assets which represent the Group’s continuing involvement in derecognised assets are recorded in Loans and advances at amortised cost and Debt securities at FVTPL.</span></div> | |
| CY2022Q4 | ifrs-full |
Recognised Assets Representing Continuing Involvement In Derecognised Financial Assets
RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets
|
1333000000 | gbp |
| CY2022Q4 | ifrs-full |
Fair Value Of Assets Representing Continuing Involvement In Derecognised Financial Assets
FairValueOfAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets
|
1272000000 | gbp |
| CY2022Q4 | ifrs-full |
Maximum Exposure To Loss From Continuing Involvement
MaximumExposureToLossFromContinuingInvolvement
|
1333000000 | gbp |
| CY2022 | ifrs-full |
Gain Loss Of Derecognised Financial Assets Representing Greatest Transfer Activity
GainLossOfDerecognisedFinancialAssetsRepresentingGreatestTransferActivity
|
24000000 | gbp |
| CY2022 | ifrs-full |
Gain Loss Of Derecognised Financial Assets At Date Of Transfer
GainLossOfDerecognisedFinancialAssetsAtDateOfTransfer
|
41000000 | gbp |
| CY2021Q4 | ifrs-full |
Recognised Assets Representing Continuing Involvement In Derecognised Financial Assets
RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets
|
910000000 | gbp |
| CY2021Q4 | ifrs-full |
Fair Value Of Assets Representing Continuing Involvement In Derecognised Financial Assets
FairValueOfAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets
|
906000000 | gbp |
| CY2021Q4 | ifrs-full |
Maximum Exposure To Loss From Continuing Involvement
MaximumExposureToLossFromContinuingInvolvement
|
910000000 | gbp |
| CY2021 | ifrs-full |
Gain Loss Of Derecognised Financial Assets Representing Greatest Transfer Activity
GainLossOfDerecognisedFinancialAssetsRepresentingGreatestTransferActivity
|
9000000 | gbp |
| CY2021 | ifrs-full |
Gain Loss Of Derecognised Financial Assets At Date Of Transfer
GainLossOfDerecognisedFinancialAssetsAtDateOfTransfer
|
17000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Collateral Explanatory
DisclosureOfCollateralExplanatory
|
Assets pledged, collateral received and assets transferred<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Assets are pledged or transferred as collateral to secure liabilities under repurchase agreements, securitisations and stock lending agreements or as security deposits relating to derivatives. Assets transferred are non-cash assets transferred to a third party that do not qualify for derecognition from the Group balance sheet, for example because Barclays retains substantially all the exposure to those assets under an agreement to repurchase them in the future for a fixed price.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Assets pledged or transferred as collateral include all assets categorised as encumbered in the disclosure on pages 180 to 182 of the Barclays PLC Pillar 3 Report 2022 (unaudited), other than those held in commercial paper conduits. In these transactions, the Group will be required to step in to provide financing itself under a liquidity facility if the vehicle cannot access the commercial paper market.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Where non-cash assets are pledged or transferred as collateral for cash received, the asset continues to be recognised in full, and a related liability is also recognised on the balance sheet. Where non-cash assets are pledged or transferred as collateral in an exchange for non-cash assets, the transferred asset continues to be recognised in full, and there is no associated liability as the non-cash collateral received is not recognised on the balance sheet. The Group is unable to use, sell or pledge the transferred assets for the duration of the transaction and remains exposed to interest rate risk and credit risk on these pledged assets. Unless stated, the counterparty's recourse is not limited to the transferred assets.</span></div><div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The following table summarises the nature and carrying amount of the assets pledged as security against these liabilities:</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlements</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,996 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,138 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,772 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,969 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,518 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,220 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,595 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,748 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets pledged</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">234,167 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">222,215 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table summarises the transferred financial assets and the associated liabilities. The transferred assets represent the gross carrying value of the assets pledged and the associated liabilities represent the IFRS balance sheet value of the related liability recorded on the balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transferred assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Associated liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,474 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79,474)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,291 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46,617)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities lending arrangements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67,554 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,848 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,055)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">234,167 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(137,146)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,744 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66,744)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,820 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49,543)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities lending arrangements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,316 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,335 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,121)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">222,215 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128,408)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For repurchase agreements the difference between transferred assets and the associated liabilities is predominantly due to IFRS netting. Included within Other are agreements where a counterparty's recourse is limited to the transferred assets. The relationship between the gross transferred assets and the associated liabilities is that holders of notes may only look to cash flows from the securitised assets for payments of principal and interest due to them under the terms of their notes. </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying value</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transferred assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Associated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transferred assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Associated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net position</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recourse to transferred assets only</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,150 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,557)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,530 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,480)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,050 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recourse to transferred assets only</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,303 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,225)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,423 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,219)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group has an additional £5.3bn (2021: £5.8bn) of loans and advances within its asset backed funding programmes that can readily be used to raise additional secured funding and are available to support future issuances. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Collateral held as security for assets</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Under certain transactions, including reverse repurchase agreements and stock borrowing transactions, the Group is allowed to resell or re-pledge the collateral held. The fair value at the balance sheet date of collateral accepted and re-pledged or transferred to others was as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of securities accepted as collateral</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">988,340 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">928,999 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which fair value of securities re-pledged/transferred to others</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">892,026 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">814,448 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Additional disclosure has been included in collateral and other credit enhancements in the Risk review section. Assets pledged as collateral include all assets categorised as encumbered in the disclosure on pages 180 to 182 of the Barclays PLC Pillar 3 Report 2022 (unaudited).</span></div> | |
| CY2022 | ifrs-full |
Description Of Accounting Policy For Collateral Explanatory
DescriptionOfAccountingPolicyForCollateralExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Assets are pledged or transferred as collateral to secure liabilities under repurchase agreements, securitisations and stock lending agreements or as security deposits relating to derivatives. Assets transferred are non-cash assets transferred to a third party that do not qualify for derecognition from the Group balance sheet, for example because Barclays retains substantially all the exposure to those assets under an agreement to repurchase them in the future for a fixed price.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Assets pledged or transferred as collateral include all assets categorised as encumbered in the disclosure on pages 180 to 182 of the Barclays PLC Pillar 3 Report 2022 (unaudited), other than those held in commercial paper conduits. In these transactions, the Group will be required to step in to provide financing itself under a liquidity facility if the vehicle cannot access the commercial paper market.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Where non-cash assets are pledged or transferred as collateral for cash received, the asset continues to be recognised in full, and a related liability is also recognised on the balance sheet. Where non-cash assets are pledged or transferred as collateral in an exchange for non-cash assets, the transferred asset continues to be recognised in full, and there is no associated liability as the non-cash collateral received is not recognised on the balance sheet. The Group is unable to use, sell or pledge the transferred assets for the duration of the transaction and remains exposed to interest rate risk and credit risk on these pledged assets. Unless stated, the counterparty's recourse is not limited to the transferred assets.</span></div> | |
| CY2022 | bcs |
Assets Pledged And Assets Transferred As Security Against Liabilities
AssetsPledgedAndAssetsTransferredAsSecurityAgainstLiabilities
|
<div><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">The following table summarises the nature and carrying amount of the assets pledged as security against these liabilities:</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash collateral and settlements</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,996 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,138 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,772 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,216 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading portfolio assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63,969 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,518 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,220 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,595 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,210 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,748 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets pledged</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">234,167 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">222,215 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table summarises the transferred financial assets and the associated liabilities. The transferred assets represent the gross carrying value of the assets pledged and the associated liabilities represent the IFRS balance sheet value of the related liability recorded on the balance sheet:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transferred assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Associated liabilities</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,474 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79,474)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,291 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46,617)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities lending arrangements</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67,554 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,848 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,055)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">234,167 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(137,146)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,744 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(66,744)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71,820 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49,543)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities lending arrangements</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,316 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,335 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,121)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">222,215 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128,408)</span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For repurchase agreements the difference between transferred assets and the associated liabilities is predominantly due to IFRS netting. Included within Other are agreements where a counterparty's recourse is limited to the transferred assets. The relationship between the gross transferred assets and the associated liabilities is that holders of notes may only look to cash flows from the securitised assets for payments of principal and interest due to them under the terms of their notes. </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:43.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.998%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Carrying value</span></td><td colspan="9" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Fair value</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transferred assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Associated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Transferred assets</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Associated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Net position</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recourse to transferred assets only</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,150 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,557)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,530 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,480)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,050 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Recourse to transferred assets only</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,303 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,225)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,423 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,219)</span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022Q4 | ifrs-full |
Financial Assets Pledged As Collateral For Liabilities Or Contingent Liabilities
FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities
|
234167000000 | gbp |
| CY2021Q4 | ifrs-full |
Financial Assets Pledged As Collateral For Liabilities Or Contingent Liabilities
FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities
|
222215000000 | gbp |
| CY2022Q4 | ifrs-full |
Assets That Entity Continues To Recognise
AssetsThatEntityContinuesToRecognise
|
234167000000 | gbp |
| CY2022Q4 | ifrs-full |
Associated Liabilities That Entity Continues To Recognise
AssociatedLiabilitiesThatEntityContinuesToRecognise
|
137146000000 | gbp |
| CY2021Q4 | ifrs-full |
Assets That Entity Continues To Recognise
AssetsThatEntityContinuesToRecognise
|
222215000000 | gbp |
| CY2021Q4 | ifrs-full |
Associated Liabilities That Entity Continues To Recognise
AssociatedLiabilitiesThatEntityContinuesToRecognise
|
128408000000 | gbp |
| CY2022 | ifrs-full |
Information About Collateral Held As Security And Other Credit Enhancements For Creditimpaired Financial Assets Explanatory
InformationAboutCollateralHeldAsSecurityAndOtherCreditEnhancementsForCreditimpairedFinancialAssetsExplanatory
|
The fair value at the balance sheet date of collateral accepted and re-pledged or transferred to others was as follows:<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of securities accepted as collateral</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">988,340 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">928,999 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of which fair value of securities re-pledged/transferred to others</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">892,026 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">814,448 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table> | |
| CY2022Q4 | ifrs-full |
Assets Held As Collateral Permitted To Be Sold Or Repledged At Fair Value
AssetsHeldAsCollateralPermittedToBeSoldOrRepledgedAtFairValue
|
988340000000 | gbp |
| CY2021Q4 | ifrs-full |
Assets Held As Collateral Permitted To Be Sold Or Repledged At Fair Value
AssetsHeldAsCollateralPermittedToBeSoldOrRepledgedAtFairValue
|
928999000000 | gbp |
| CY2022Q4 | ifrs-full |
Assets Sold Or Repledged As Collateral At Fair Value
AssetsSoldOrRepledgedAsCollateralAtFairValue
|
892026000000 | gbp |
| CY2021Q4 | ifrs-full |
Assets Sold Or Repledged As Collateral At Fair Value
AssetsSoldOrRepledgedAsCollateralAtFairValue
|
814448000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Related Party Explanatory
DisclosureOfRelatedPartyExplanatory
|
Related party transactions and Directors’ remuneration<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Related party transactions</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Parties are considered to be related if one party has the ability to control the other party or exercise significant influence over the other party in making financial or operational decisions, or one other party controls both.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Subsidiaries</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Transactions between Barclays PLC and its subsidiaries meet the definition of related party transactions. Where these are eliminated on consolidation, they are not disclosed in the Group’s financial statements. Transactions between Barclays PLC and its subsidiaries are fully disclosed in Barclays PLC’s financial statements. A list of the Group’s principal subsidiaries is shown in Note 34.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Associates, joint ventures and other entities</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group provides banking services to its associates, joint ventures and the Group pension funds (principally the UK Retirement Fund), providing loans, overdrafts, interest and non-interest bearing deposits and current accounts to these entities as well as other services. Group companies also provide investment management and custodian services to the Group pension schemes. All of these transactions are conducted on the same terms as third party transactions. Summarised financial information for the Group’s investments in associates and joint ventures is set out in Note 36.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Amounts included in the Group’s financial statements, in aggregate, by category of related party entity are as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Associates</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Joint ventures</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Pension funds</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended and as at 31 December 2022</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit impairment charges</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,336 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">408 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">166 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">For the year ended and as at 31 December 2021</span></td><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total income</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit impairment charges</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total assets</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,278 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total liabilities</span></td><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81 </span></td><td style="border-bottom:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Total liabilities includes derivatives transacted on behalf of the pension funds of £110m (2021: £18m).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Key Management Personnel</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Key Management Personnel are defined as those persons having authority and responsibility for planning, directing and controlling the activities of Barclays PLC (directly or indirectly) and comprise the Directors and Officers of Barclays PLC, certain direct reports of the Group Chief Executive and the heads of major business units and functions.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group provides banking services to Key Management Personnel and persons connected to them. Transactions during the year and the balances outstanding were as follows:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans outstanding</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January</span></td><td colspan="2" style="background-color:#e1eff0;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.8 </span></td><td style="background-color:#e1eff0;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.2 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans issued during the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#e1eff0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#e1eff0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan repayments during the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#e1eff0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.7)</span></td><td style="background-color:#e1eff0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="2" style="background-color:#e1eff0;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.5 </span></td><td style="background-color:#e1eff0;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.8 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Includes loans issued to existing Key Management Personnel and new or existing loans issued to newly appointed Key Management Personnel.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Includes loan repayments by existing Key Management Personnel and loans to former Key Management Personnel.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">No allowances for impairment were recognised in respect of loans to Key Management Personnel (or any connected person).</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits outstanding</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.1 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.4 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits received during the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits repaid during the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41.8)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.2 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.1 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Includes deposits received from existing Key Management Personnel and new or existing deposits received from newly appointed Key Management Personnel.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Includes deposits repaid by existing Key Management Personnel and deposits of former Key Management Personnel.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Total commitments outstanding</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Total commitments outstanding refers to the total of any undrawn amounts on credit cards and/or overdraft facilities provided to Key Management Personnel. Total commitments outstanding as at 31 December 2022 were £0.5m (2021: £0.6m).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">All loans to Key Management Personnel (and persons connected to them) were made in the ordinary course of business; were made on substantially the same terms, including interest rates and collateral, as those prevailing at the same time for comparable transactions with other persons; and did not involve more than a normal risk of collectability or present other unfavourable features.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span id="i0b68cc09e8824211b900d92c7246d70d_6528"/><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Remuneration of Key Management Personnel</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Total remuneration awarded to Key Management Personnel below represents salaries, short term benefits and pensions contributions received during the year and awards made as part of the latest remuneration decisions in relation to the year. Costs recognised in the income statement reflect the accounting charge for the year included within operating expenses. The difference between the values awarded and the recognised income statement charge principally relates to the recognition of costs for deferred awards. Figures are provided for the period that individuals met the definition of Key Management Personnel.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Salaries and other short-term benefits</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32.4 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.8 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension costs</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other long-term benefits</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share-based payments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer social security charges on emoluments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Costs recognised for accounting purposes</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56.7 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer social security charges on emoluments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other long-term benefits – difference between awards granted and costs recognised</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share-based payments – difference between awards granted and costs recognised</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total remuneration awarded</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56.5 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68.5 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Disclosure required by the Companies Act 2006</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following information regarding the Barclays PLC Board of Directors is presented in accordance with the Companies Act 2006:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Aggregate emoluments</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.3 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.2 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts paid under LTIPs</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.7 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.4 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a The aggregate emoluments include amounts paid for the 2022 year. In addition, deferred share awards for 2022 with a total value at grant of £2.3m (2021: £1.4m) will be made to C.S. Venkatakrishnan and Tushar Morzaria which will only vest subject to meeting certain conditions.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b The figure above for "Amounts paid under LTIPs" in 2021 relates to LTIP awards that were released to Jes Staley and Tushar Morzaria in 2021. This includes the first tranche of the 2017 LTIP, the release of which was delayed from June 2020 to March 2021. Dividend shares released on the awards are excluded. The LTIP figure in the single total figure table for Executive Directors' 2021 remuneration in the Directors' Remuneration Report relates to the award that is scheduled to be released in 2022 in respect of the 2019-2021 LTIP cycle.</span></div><div style="margin-bottom:3pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There were no pension contributions paid to defined contribution schemes on behalf of Directors (2021: £nil). There were no notional pension contributions to defined contribution schemes.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As at 31 December 2022, there were no Directors accruing benefits under a defined benefit scheme (2021: nil).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Directors’ and Officers’ shareholdings and options</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The beneficial ownership of ordinary share capital of Barclays PLC by all Directors and Officers of Barclays PLC (involving 23 persons) at 31 December 2022 amounted to 15,944,986 (2021: 17,876,352) ordinary shares of 25p each (0.11% of the ordinary share capital outstanding).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As at 31 December 2022, Executive Directors and Officers of Barclays PLC (involving 11 persons) held options to purchase a total of 62,268 (2021: 62,268) Barclays PLC ordinary shares of 25p each at a weighted average price of 93p under Sharesave.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Advances and credit to Directors and guarantees on behalf of Directors</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In accordance with Section 413 of the Companies Act 2006, the total amount of advances and credits made available in 2022 to persons who served as Directors during the year was £0.2m (2021: £0.2m). The total value of guarantees entered into on behalf of Directors during 2022 was £nil (2021: £nil).</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Transactions Between Related Parties Explanatory
DisclosureOfTransactionsBetweenRelatedPartiesExplanatory
|
Transactions during the year and the balances outstanding were as follows:<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans outstanding</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January</span></td><td colspan="2" style="background-color:#e1eff0;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.8 </span></td><td style="background-color:#e1eff0;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.2 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans issued during the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#e1eff0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.4 </span></td><td style="background-color:#e1eff0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan repayments during the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#e1eff0;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.7)</span></td><td style="background-color:#e1eff0;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.8)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="2" style="background-color:#e1eff0;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.5 </span></td><td style="background-color:#e1eff0;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.8 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Includes loans issued to existing Key Management Personnel and new or existing loans issued to newly appointed Key Management Personnel.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Includes loan repayments by existing Key Management Personnel and loans to former Key Management Personnel.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">No allowances for impairment were recognised in respect of loans to Key Management Personnel (or any connected person).</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0076b6;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits outstanding</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 1 January</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.1 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.4 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits received during the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47.9 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.6 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits repaid during the year</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(41.8)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38.9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.2 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.1 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Includes deposits received from existing Key Management Personnel and new or existing deposits received from newly appointed Key Management Personnel.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Includes deposits repaid by existing Key Management Personnel and deposits of former Key Management Personnel.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Amounts Incurred By Entity For Provision Of Key Management Personnel Services Provided By Separate Management Entities Explanatory
DisclosureOfAmountsIncurredByEntityForProvisionOfKeyManagementPersonnelServicesProvidedBySeparateManagementEntitiesExplanatory
|
<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Total remuneration awarded to Key Management Personnel below represents salaries, short term benefits and pensions contributions received during the year and awards made as part of the latest remuneration decisions in relation to the year. Costs recognised in the income statement reflect the accounting charge for the year included within operating expenses. The difference between the values awarded and the recognised income statement charge principally relates to the recognition of costs for deferred awards. Figures are provided for the period that individuals met the definition of Key Management Personnel.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.830%"><tr><td style="width:1.0%"/><td style="width:76.677%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Salaries and other short-term benefits</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32.4 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.8 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pension costs</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other long-term benefits</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.5 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share-based payments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.8 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer social security charges on emoluments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.7 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Costs recognised for accounting purposes</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56.7 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.7 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer social security charges on emoluments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6.7)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7.2)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other long-term benefits – difference between awards granted and costs recognised</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share-based payments – difference between awards granted and costs recognised</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.9 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total remuneration awarded</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56.5 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68.5 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> | |
| CY2022 | ifrs-full |
Key Management Personnel Compensation Shortterm Employee Benefits
KeyManagementPersonnelCompensationShorttermEmployeeBenefits
|
32400000 | gbp |
| CY2021 | ifrs-full |
Key Management Personnel Compensation Shortterm Employee Benefits
KeyManagementPersonnelCompensationShorttermEmployeeBenefits
|
37800000 | gbp |
| CY2022 | ifrs-full |
Key Management Personnel Compensation Postemployment Benefits
KeyManagementPersonnelCompensationPostemploymentBenefits
|
0 | gbp |
| CY2021 | ifrs-full |
Key Management Personnel Compensation Postemployment Benefits
KeyManagementPersonnelCompensationPostemploymentBenefits
|
0 | gbp |
| CY2022 | ifrs-full |
Key Management Personnel Compensation Other Longterm Benefits
KeyManagementPersonnelCompensationOtherLongtermBenefits
|
7800000 | gbp |
| CY2021 | ifrs-full |
Key Management Personnel Compensation Other Longterm Benefits
KeyManagementPersonnelCompensationOtherLongtermBenefits
|
8500000 | gbp |
| CY2022 | ifrs-full |
Key Management Personnel Compensation Sharebased Payment
KeyManagementPersonnelCompensationSharebasedPayment
|
9800000 | gbp |
| CY2021 | ifrs-full |
Key Management Personnel Compensation Sharebased Payment
KeyManagementPersonnelCompensationSharebasedPayment
|
12200000 | gbp |
| CY2022 | bcs |
Key Management Personnel Compensation Security Charges Emoluments
KeyManagementPersonnelCompensationSecurityChargesEmoluments
|
6700000 | gbp |
| CY2021 | bcs |
Key Management Personnel Compensation Security Charges Emoluments
KeyManagementPersonnelCompensationSecurityChargesEmoluments
|
7200000 | gbp |
| CY2022 | bcs |
Key Management Personnel Compensation Costs Recognised For Accounting Purposes
KeyManagementPersonnelCompensationCostsRecognisedForAccountingPurposes
|
56700000 | gbp |
| CY2021 | bcs |
Key Management Personnel Compensation Costs Recognised For Accounting Purposes
KeyManagementPersonnelCompensationCostsRecognisedForAccountingPurposes
|
65700000 | gbp |
| CY2022 | bcs |
Key Management Personnel Compensation Security Charges Emoluments Awarded
KeyManagementPersonnelCompensationSecurityChargesEmolumentsAwarded
|
6700000 | gbp |
| CY2021 | bcs |
Key Management Personnel Compensation Security Charges Emoluments Awarded
KeyManagementPersonnelCompensationSecurityChargesEmolumentsAwarded
|
7200000 | gbp |
| CY2022 | bcs |
Key Management Personnel Compensation Other Longterm Benefits Difference Between Awards Granted And Costs Recognised
KeyManagementPersonnelCompensationOtherLongtermBenefitsDifferenceBetweenAwardsGrantedAndCostsRecognised
|
0 | gbp |
| CY2021 | bcs |
Key Management Personnel Compensation Other Longterm Benefits Difference Between Awards Granted And Costs Recognised
KeyManagementPersonnelCompensationOtherLongtermBenefitsDifferenceBetweenAwardsGrantedAndCostsRecognised
|
-3100000 | gbp |
| CY2022 | bcs |
Key Management Personnel Compensation Sharebased Payments Difference Between Awards Granted And Costs Recognised
KeyManagementPersonnelCompensationSharebasedPaymentsDifferenceBetweenAwardsGrantedAndCostsRecognised
|
-6500000 | gbp |
| CY2021 | bcs |
Key Management Personnel Compensation Sharebased Payments Difference Between Awards Granted And Costs Recognised
KeyManagementPersonnelCompensationSharebasedPaymentsDifferenceBetweenAwardsGrantedAndCostsRecognised
|
-6900000 | gbp |
| CY2022 | ifrs-full |
Key Management Personnel Compensation
KeyManagementPersonnelCompensation
|
56500000 | gbp |
| CY2021 | ifrs-full |
Key Management Personnel Compensation
KeyManagementPersonnelCompensation
|
68500000 | gbp |
| CY2022 | bcs |
Aggregate Emoluments Compaines Act2006
AggregateEmolumentsCompainesAct2006
|
9300000 | gbp |
| CY2021 | bcs |
Aggregate Emoluments Compaines Act2006
AggregateEmolumentsCompainesAct2006
|
8200000 | gbp |
| CY2022 | bcs |
Amounts Paid Under Lti Ps Companies Act2006
AmountsPaidUnderLTIPsCompaniesAct2006
|
400000 | gbp |
| CY2021 | bcs |
Amounts Paid Under Lti Ps Companies Act2006
AmountsPaidUnderLTIPsCompaniesAct2006
|
1200000 | gbp |
| CY2022 | bcs |
Directors Expense Companies Act2006
DirectorsExpenseCompaniesAct2006
|
9700000 | gbp |
| CY2021 | bcs |
Directors Expense Companies Act2006
DirectorsExpenseCompaniesAct2006
|
9400000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of Auditors Remuneration Explanatory
DisclosureOfAuditorsRemunerationExplanatory
|
Auditor’s remuneration<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Auditor’s remuneration is included within consultancy, legal and professional fees in administration and general expenses and comprises:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:65.615%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.997%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2020</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Audit of the Barclays Group's annual accounts</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-top:0.5pt solid #00aeef;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9 </span></td><td style="border-top:0.5pt solid #00aeef;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other services:</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Audit of the Company's subsidiaries</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other audit related fees</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">b</span></div></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other services</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total Auditor's remuneration</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Notes</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a Comprises the fees for the statutory audit of subsidiaries both inside and outside the UK and fees for work performed by associates of KPMG in respect of the consolidated financial statements of the Company.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">b Comprises services in relation to statutory and regulatory filings. These include audit services for the review of the interim financial information under the Listing Rules of the UK listing authority.</span></div><div style="margin-top:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">Audit scope changes are finalised following the completion of the audit and recognised when agreed. The 2022 audit fee includes </span><span style="background-color:#ffffff;color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">£2m </span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:112%">(2021: £3m) relating to the previous year’s audit.</span></div> | |
| CY2022 | ifrs-full |
Auditors Remuneration For Audit Services
AuditorsRemunerationForAuditServices
|
10000000 | gbp |
| CY2021 | ifrs-full |
Auditors Remuneration For Audit Services
AuditorsRemunerationForAuditServices
|
9000000 | gbp |
| CY2020 | ifrs-full |
Auditors Remuneration For Audit Services
AuditorsRemunerationForAuditServices
|
9000000 | gbp |
| CY2022 | ifrs-full |
Auditors Remuneration
AuditorsRemuneration
|
71000000 | gbp |
| CY2021 | ifrs-full |
Auditors Remuneration
AuditorsRemuneration
|
62000000 | gbp |
| CY2020 | ifrs-full |
Auditors Remuneration
AuditorsRemuneration
|
59000000 | gbp |
| CY2022 | ifrs-full |
Disclosure Of General Hedge Accounting Explanatory
DisclosureOfGeneralHedgeAccountingExplanatory
|
Interest rate benchmark reform<div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Following the financial crisis, the reform and replacement of benchmark interest rates such as LIBOR has been a priority for global regulators. As a result, the UK’s Financial Conduct Authority (FCA) and other global regulators instructed market participants to prepare for the cessation of most LIBOR rates after the end of 2021, and to adopt “Risk-Free Rates” (RFRs).</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pursuant to FCA announcements during 2021, panel bank submissions for all GBP, JPY, EUR and CHF LIBOR tenors ceased after 31 December 2021. For USD, certain actively used tenors will continue to be provided until end June 2023 in their current form, however in line with the US banking regulators’ joint statement, Barclays ceased issuing or entering into new contracts that use USD LIBOR as a reference rate from 31 December 2021, other than in relation to those allowable use cases set out under the FCA's prohibition notice (ref 21A). These include, amongst others, market making in support of client activity; or transactions that reduce or hedge Barclays' or any client of Barclays' USD LIBOR exposure on contracts entered into before 1 January 2022.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group’s exposure to rates subject to benchmark interest rate reform has been predominantly to GBP, USD, JPY and CHF LIBOR and Euro Overnight Index Average (EONIA) in addition to GBP LIBOR ICE Swap Rate, JPY LIBOR Tokyo Swap Rate and USD LIBOR ICE Swap Rate, with the vast majority concentrated in derivatives within the Investment Bank. Some additional exposure exists on floating rate loans and advances, repurchase and securities lending agreements and debt securities held and issued within the Corporate and Investment Bank. Following transition activity in late 2021 and early 2022, almost all GBP LIBOR, GBP LIBOR ICE Swap Rate, JPY LIBOR and JPY LIBOR Tokyo Swap Rate and CHF LIBOR and EONIA positions (“2021 scope”) have transitioned onto RFRs and while there are a number of benchmarks yet to cease, the Group’s risk exposure is now mainly to USD LIBOR and the USD LIBOR ICE Swap Rate.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">There are key differences between IBORs and RFRs. IBORs are ‘term rates’, which means that they are published for a borrowing period (for example three months) and they are ‘forward-looking’, because they are published at the beginning of a borrowing period, based upon an estimated inter-bank borrowing cost for the period. RFRs are based upon overnight rates from actual transactions and are therefore published after the end of the overnight borrowing period. Furthermore, IBORs include term and credit risk premiums. Therefore, to transition existing contracts and agreements to RFRs, adjustments for term and credit differences may need to be applied to RFR-linked rates. The methodologies for these adjustments have been determined through in-depth consultations by industry working groups, on behalf of the respective global regulators and related market participants.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">How the Group is managing the transition to alternative benchmark rates</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays has established a Group-wide LIBOR Transition Programme. The Transition Programme spans all business lines and has cross-functional governance which includes Legal, Compliance, Conduct Risk, Risk and Finance. The Transition Programme aims to drive strategic execution and identify, manage and resolve key risks and issues as they arise. Barclays continues to provide quarterly updates on progress and exposures to the PRA/FCA and other regulators as required.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Transition Programme follows a risk-based approach, using recognised ‘change delivery’ control standards. Accountable Executives are in place within key working groups and workstreams, with overall Board oversight delegated to the Board Risk Committee. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Approaches to USD LIBOR and USD LIBOR ICE Swap Rate exposure transition vary by product and nature of counterparty. The Group has engaged with counterparties to transition or include robust fallback provisions where not already agreed in contracts with maturities after June 2023, when USD LIBOR and the USD LIBOR ICE Swap Rate will either cease to be published or cease to be published, in its current form. Any fallback provision will provide the relevant replacement rate, in the case of the ISDA 2020 IBOR Fallbacks Protocol this is the RFR plus a credit adjustment spread. For bilateral derivative exposure, adherence to the relevant ISDA </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Fallback Protocols have provided Barclays with an efficient mechanism to amend outstanding trades to incorporate fallbacks. Beyond the ISDA 2020 IBOR Fallbacks Protocol and the ISDA 2021 Fallbacks Protocol, another option has been to bilaterally amend terms with counterparties. Derivative contracts facing central clearing counterparties (CCP) will follow a market-wide, standardised approach to reform through a series of CCP-led conversions, similar to those used for GBP, JPY and CHF LIBOR and EONIA.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">GBP and JPY LIBOR ceased to be published in their original form from the end of 2021 and synthetic versions of GBP and JPY LIBOR have been made available for a limited period of time. This was to help mitigate the risk of widespread disruption to legacy LIBOR contracts which had not transitioned by end 2021, when the GBP and JPY panel bank submissions ended. The FCA has reiterated that any synthetic LIBOR tenors are only a bridge to give time to transition to appropriate alternative RFRs and not a permanent solution. Barclays continues to monitor, assess and limit the reliance on synthetic LIBOR.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">On 29th September 2022 the FCA announced that the 1- and 6- month synthetic GBP LIBOR tenors would cease immediately after 31st March 2023 and confirmed that the synthetic JPY LIBOR tenors would cease permanently at end 2022. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">On 23rd November 2022 the FCA announced that the 3-month synthetic GBP LIBOR tenor will cease at end March 2024 and that the overnight and 12-month USD LIBOR tenors will cease at end June 2023. The FCA also proposed that the 1-, 3- and 6-month USD LIBOR tenors should be published under a synthetic methodology for a temporary period until end September 2024. A final decision from the FCA is expected by early in the second quarter of 2023. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">US Federal legislation (the Adjustable Interest Rate (LIBOR) Act) has been enacted which provides a solution for contracts governed under US law which reference USD LIBOR but do not have adequate fallbacks. The effect of this legislation on in scope agreements will be to deem all references to USD LIBOR to the replacement Secured Overnight Financing Rate (SOFR) with the additional benefit of statutory contract continuity and safe harbour protection. This contrasts with the legislation implemented in the UK which provides for statutory contract continuity with safe harbour protection only for the administrator and could expose market participants to additional litigation risk. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Progress made during 2022 </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">During 2022, Barclays delivered technology and business process changes required to ensure operational readiness in preparation for transitions to RFRs for those benchmark rates ceasing June 2023, this included new RFR product capabilities and alternatives to LIBOR across loans, bonds, repurchase and securities lending transactions and derivatives. Barclays continued to monitor and address its unremediated exposure to 2021 scope; noting that this exposure, excluding secondary traded loans and bonds, was reduced to £2bn gross notional as at 31 December 2022, which accounts for less than 0.2% of baseline exposure for 2021 scope. Of this, £1.2bn relates to undrawn lending facilities with £1.1bn of this made up of syndicated loans where transition is led by a third-party agent. The remaining £0.8bn is predominantly made up of bilateral derivatives without appropriate fallbacks. Work is ongoing with clients and agents, as appropriate, to address the outstanding unremediated exposures. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays is now focused on transition of legacy positions related to USD LIBOR and USD LIBOR ICE Swap Rate (and other in-scope IBORs) and remains on track to meet the associated industry deadlines. In the first half of 2022, Barclays successfully transitioned all uncommitted lending exposures. </span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Risks to which the Group is exposed as a result of the transition </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Global regulators and central banks in the UK, US, EU and APAC have been driving international efforts to reform key benchmark interest rates and indices, such as LIBOR, which are used to determine the amounts payable under a wide range of transactions and make them more reliable and robust. These benchmark reforms have resulted in significant changes to the methodology and operation of certain benchmarks and indices, the adoption of RFRs, the discontinuation of certain reference rates (including LIBOR), and the introduction of implementing legislation and regulations. Notwithstanding these developments, given the unpredictable consequences of benchmark reform, any of these developments could have an adverse impact on market participants, including the Group, in respect of any financial instruments linked to, or referencing, any of these benchmark interest rates. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Uncertainty associated with such potential changes include: </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">the availability and/or suitability of alternative RFRs, </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">the participation of customers and third-party market participants in the transition process</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">challenges with respect to required documentation changes; and </span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.94pt">impact of legislation to deal with ‘certain legacy’ contracts that cannot convert into RFRs or add RFR fallbacks before cessation of the benchmark they reference.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">This uncertainty may adversely affect a broad range of transactions (including any securities, loans, repurchase and securities lending transactions and derivatives which use LIBOR or any other affected benchmark to determine the amount of interest payable that are included in the Group’s financial assets and liabilities) that use these reference rates and indices, and present a number of risks for the Group, including, but not limited to:</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Conduct risk: in undertaking actions to transition away from using certain reference rates (such as LIBOR) to new alternative RFRs, the Group faces conduct risks. These may lead to customer complaints, regulatory sanctions or reputational impact if the Group is considered to be (among other things): (i) undertaking market activities that are manipulative or create a false or misleading impression, (ii) misusing sensitive information or not identifying or appropriately managing or mitigating conflicts of interest, (iii) providing customers with inadequate advice, misleading information, unsuitable products or unacceptable service, (iv) not taking a consistent approach to remediation for customers in similar circumstances, (v) unduly delaying the communication and migration activities in relation to client exposure, leaving them insufficient time to prepare, or (vi) colluding or inappropriately sharing information with competitors.</span></div><div style="margin-bottom:3pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Litigation risk: members of the Group may face legal proceedings, regulatory investigations and/or other actions or proceedings regarding (among other things): (i) the conduct risks identified above, (ii) the interpretation and enforceability of provisions in LIBOR-based contracts, and (iii) the Group’s preparation and readiness for the replacement of LIBOR with alternative RFRs.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Financial risk: the valuation of certain of the Group’s financial assets and liabilities may change. Moreover, transitioning to alternative RFRs may impact the ability of members of the Group to calculate and model amounts receivable by them on certain financial assets and determine the amounts payable on certain financial liabilities (such as debt securities issued by them) because certain alternative RFRs (such as SONIA and the SOFR) are look-back rates whereas term rates (such as LIBOR) allow borrowers to calculate at the start of any interest period exactly how much is payable at the end of such interest period. This may have a material adverse effect on the Group’s cash flows.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Pricing risk: changes to existing reference rates and indices, discontinuation of any reference rate or indices and transition to alternative RFRs may impact the pricing mechanisms used by the Group on certain transactions.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Operational risk: changes to existing reference rates and indices, discontinuation of any reference rate or index and transition to alternative RFRs may require changes to the Group’s IT systems, trade reporting infrastructure, operational processes, and controls. In addition, if any reference rate or index (such as LIBOR) is no longer available to calculate amounts payable, the Group may incur additional expenses in amending documentation for new and existing transactions and/or effecting the transition from the original reference rate or index to a new reference rate or index.</span></div><div style="margin-bottom:6pt;padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">▪</span><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:6.37pt">Accounting risk: an inability to apply hedge accounting in accordance with IAS 39 could lead to increased volatility in the Group’s financial results and performance. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Any of these factors may have a material adverse effect on the Group’s business, results of operations, financial condition, prospects, and reputation. While a number of the above risks in relation to transition of legacy 2021 scope onto RFRs have been substantially mitigated, they remain relevant in relation to USD LIBOR transitions.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Group does not expect material changes to its risk management approach and strategy as a result of interest rate benchmark reform.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following tables summarise USD LIBOR and USD LIBOR ICE Swap Rate non-derivatives exposures due to mature post 30 June 2023, when USD LIBOR and the USD LIBOR ICE Swap Rate will either cease to be published or cease to be published, in its current form:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:76.710%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.996%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">USD LIBOR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial assets</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,659 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,812 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,282 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,538 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,941 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,536 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,062)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,137)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,132)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,088)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,740)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(212)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,934)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,437)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other equity instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,786)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,374)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Standby facilities, credit lines and other commitments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,118 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,767 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a For year ended 2021, multi currency loan facilities are reported in the currency which needs to be remediated first, which were mainly non-USD. As the non-USD rates transitioned, this has</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">resulted in a corresponding increase in USD LIBOR exposure for year ended 2022 as USD LIBOR exposure is yet to transition.</span></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Balances reported at amortised cost are disclosed at their gross carrying value and do not include any expected credit losses that may be held against them. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following tables summarise USD LIBOR and USD LIBOR ICE Swap Rate derivative exposures due to mature post 30 June 2023:</span></div><div style="margin-bottom:0.1pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:76.710%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.996%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">USD LIBOR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative notional contract amount</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,594,268</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,283,236</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives - cleared by central counterparty</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,137,245</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,228,399</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded interest rate derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">337,535</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">466,339</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC foreign exchange derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">461,680</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC equity and stock index derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,261</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,949</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative notional contract amount</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,070,393 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,449,603 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt;margin-top:5pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Derivatives are reported using the notional contract amount </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As at 31 December 2022 the Group also had £9bn (2021: £9bn) of Barclays issued debt retained by the group, impacted by the interest rate benchmark reform, in USD LIBOR.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Fallback clauses</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The USD LIBOR and USD LIBOR ICE Swap Rate as at 31 December 2022 exposure has been broken up into those with robust fallbacks and those without. Fallbacks here are defined as any mechanism involving a ‘switch’ or ‘hardwire’ or a contractual agreement to automatically transition to an agreed rate. One of the most commonly used market solutions to incorporate fallback provisions into certain legacy non-cleared derivative agreements are the ISDA Fallbacks Protocols, namely the ISDA 2020 IBOR Fallbacks Protocol and the ISDA 2021 Fallbacks Protocol published in October 2020. Market participants who have adhered to the relevant ISDA Fallbacks Protocol agree, between adhering parties, that their legacy non-cleared contracts will be amended to include the relevant fallback provisions. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table presents a breakdown of USD LIBOR and USD LIBOR ICE Swap Rate non-derivative exposures with robust fallbacks in place and those without as at 31 December 2022:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:75.971%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.996%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">USD LIBOR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">With robust fallback clause</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Without robust fallback clause</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial assets</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,770 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">889 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,282 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,052 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">889 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,062)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,132)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,740)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,934)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other equity instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,786)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Standby facilities, credit lines and other commitments</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,632 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,486 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table presents a breakdown of USD LIBOR and USD LIBOR ICE Swap Rate derivative exposures with robust fallbacks in place and those without as at 31 December 2022:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:75.971%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.996%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">USD LIBOR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">With robust fallback clause</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Without robust fallback clause</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative notional contract amount</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,538,218 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,050 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives - cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,137,245 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">337,535 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC equity and stock index derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">770 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">491 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative notional contract amount</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,013,852 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,541 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The majority of USD LIBOR and USD LIBOR ICE Swap Rate exposures are already covered by fallbacks as a result of the 2020 ISDA IBOR Fallbacks Protocol and the June 2022 Benchmark Module of the ISDA 2021 Fallbacks Protocol which relevant Barclays entities have adhered to.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Significant Interest Rate Benchmarks To Which Entitys Hedging Relationships Are Exposed Explanatory
DisclosureOfSignificantInterestRateBenchmarksToWhichEntitysHedgingRelationshipsAreExposedExplanatory
|
<div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:76.710%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.996%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">USD LIBOR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December</span></div></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial assets</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,659 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,812 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements and other similar secured lending</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">186 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,282 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,538 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,941 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,536 </span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,062)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,137)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,132)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,088)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,740)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(212)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,934)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,437)</span></td><td style="border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="background-color:#ebf5f7;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other equity instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,786)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,374)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:0.04pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Standby facilities, credit lines and other commitments</span><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">a</span></div></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,118 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,767 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:9pt;text-indent:-9pt"><span><br/></span></div><div><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Note</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">a For year ended 2021, multi currency loan facilities are reported in the currency which needs to be remediated first, which were mainly non-USD. As the non-USD rates transitioned, this has</span></div><div style="padding-left:9pt;text-indent:-9pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">resulted in a corresponding increase in USD LIBOR exposure for year ended 2022 as USD LIBOR exposure is yet to transition.</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:76.710%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.996%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">USD LIBOR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2021</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative notional contract amount</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,594,268</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,283,236</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives - cleared by central counterparty</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,137,245</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,228,399</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded interest rate derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">337,535</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">466,339</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC foreign exchange derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">461,680</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC equity and stock index derivatives</span></td><td colspan="3" style="background-color:#ebf5f7;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,261</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,949</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative notional contract amount</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,070,393 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,449,603 </span></td><td style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table presents a breakdown of USD LIBOR and USD LIBOR ICE Swap Rate non-derivative exposures with robust fallbacks in place and those without as at 31 December 2022:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:75.971%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.996%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">USD LIBOR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">With robust fallback clause</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Without robust fallback clause</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial assets</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances at amortised cost</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,770 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">889 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through the income statement</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,282 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial assets</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,052 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">889 </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial liabilities</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,062)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,132)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,740)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-derivative financial liabilities</span></td><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11,934)</span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.25pt solid #494949;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other equity instruments</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,786)</span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Standby facilities, credit lines and other commitments</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,632 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,486 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following table presents a breakdown of USD LIBOR and USD LIBOR ICE Swap Rate derivative exposures with robust fallbacks in place and those without as at 31 December 2022:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.978%"><tr><td style="width:1.0%"/><td style="width:75.971%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.994%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.996%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">USD LIBOR</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">With robust fallback clause</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">Without robust fallback clause</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">As at 31 December 2022</span></td><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#0071b0;font-family:'Effra Medium',sans-serif;font-size:6pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #00aeef;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative notional contract amount</span></td><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ebf5f7;border-top:0.5pt solid #00aeef;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,538,218 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,050 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC interest rate derivatives - cleared by central counterparty</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,137,245 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange traded interest rate derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">337,535 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC foreign exchange derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">OTC equity and stock index derivatives</span></td><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">770 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">491 </span></td><td style="background-color:#ebf5f7;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative notional contract amount</span></td><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,013,852 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,541 </span></td><td style="background-color:#ebf5f7;border-bottom:0.25pt solid #494949;border-top:0.25pt solid #494949;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The majority of USD LIBOR and USD LIBOR ICE Swap Rate exposures are already covered by fallbacks as a result of the 2020 ISDA IBOR Fallbacks Protocol and the June 2022 Benchmark Module of the ISDA 2021 Fallbacks Protocol which relevant Barclays entities have adhered to.</span></div> | |
| CY2022 | ifrs-full |
Disclosure Of Composition Of Group Explanatory
DisclosureOfCompositionOfGroupExplanatory
|
Barclays PLC (the Parent company)<div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Total income</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Dividends received from subsidiaries</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Dividends received from subsidiaries of £2,797m (2021: £1,356m, 2020: £763m) relates to dividends received from Barclays Execution Services Limited £1,080m, Barclays Bank UK PLC £1,010m, Barclays Principal Investments Limited £507m and Barclays Bank PLC £200m. </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The dividends received in 2020 from its banking subsidiaries were paid up to Barclays PLC prior to the announcement made by the PRA on 31 March 2020 that capital be preserved for use in serving Barclays customers and clients through the extraordinary challenges presented by the COVID-19 pandemic. As part of a response to this announcement, Barclays PLC took steps to provide additional capital to its banking subsidiaries.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other expenses</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other expenses of £654m (2021: £659m income, 2020: £1,192m income) includes fair value and foreign exchange losses of £1,673m (2021: £250m, 2020: £248m) on positions with subsidiaries partially offset by £905m (2021: £804m, 2020: £857m) of income received from gross coupon payments on Barclays Bank PLC and Barclays Bank UK PLC-issued AT1 securities.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Total assets and liabilities</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Investment in subsidiaries</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The investment in subsidiaries of £64,544m (2021: £62,528m) predominantly relates to investments in the ordinary shares of Barclays Bank PLC of £36,340m (2021: £35,590m) and their AT1 securities of £10,760m (2021: £9,493m), as well as investments in the ordinary shares of Barclays Bank UK PLC of £14,245m (2021: 14,245m) and their AT1 securities of £2,570m (2021: £2,570m). The increase of £2,016m during the year was driven by a capital injection of £750m and an increase in the AT1 holdings and associated fair value which totalled £998m.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Impairment in subsidiaries</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At the end of each reporting period an impairment review is undertaken in respect of investment in the ordinary shares of subsidiaries. Where impairment may be indicated a test of the carrying value against the recoverable value is performed; impairment being indicated where the investment exceeds the recoverable amount. The recoverable amount is calculated as a value in use (VIU) which is derived from the present value of future cash flows expected to be received from the investment. The VIU calculations use forecast attributable profit based on financial budgets approved by management, covering a five year period as an approximation of future cash flows discounted using a pre-tax discount rate appropriate to the subsidiary being tested. A terminal growth rate has then been applied to the cash flows thereafter which is based upon expectations of future inflation rates. The 2022 review identified the value in use calculated was higher than the carrying value for all subsidiaries.</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Due to the improved market conditions and interest rate environment for the Group’s UK banking business in December 2021 compared to December 2020, the review further identified that the accumulated impairment for the investment in Barclays Bank UK PLC of £2,573m no longer existed. The VIU of Barclays Bank UK PLC was found to be significantly higher than both the carrying amount of the investment and the gross cost of the investment and hence all accumulated impairment was reversed in December 2021. For Barclays Bank UK PLC, a discount rate of 14.5% was applied to the cash flow forecast in December 2021 (2020: 13.8%). In determining the discount rate, management identified a cost of equity associated with market participants that closely resemble the subsidiary and adjusted for tax to arrive at the pre-tax equivalent rate. A terminal growth rate of 2.0% was used to calculate a terminal value for the investment based on inflation rates to approximate future long term growth in December 2021 (2020:2.0%).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Loans and advances in subsidiaries</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">During the year loans and advances to subsidiaries increased by £1,556m to £23,628m (2021: £22,072m). The increase was largely driven by £4,487m new intra-group loans to Barclays PLC subsidiaries and foreign exchange impact of £1,663m due to the depreciation of GBP largely against USD. This was partially offset by the maturity of intra-group loans to Barclays PLC subsidiaries of £4,765m.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Subordinated liabilities and debt securities in issue</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">During the year, Barclays PLC issued £1,000m of Fixed Rate Resetting Subordinated Callable Notes, which are included within the subordinated liabilities balance of £11,230m (2021: £9,301m). Debt securities in issue of £24,086m (2021: £25,658m) have reduced during the year primarily due to net maturities of £2,969m senior issuances partially offset by foreign exchange impact of £1,404m due to the depreciation of GBP largely against USD.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Management of internal investments</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Barclays PLC retains the discretion to manage the nature of its internal investments in subsidiaries according to their regulatory and business needs. Barclays PLC may invest capital and funding into Barclays Bank PLC, Barclays Bank UK PLC and other Group subsidiaries such as Barclays Execution Services Limited and the US Intermediate Holding Company (IHC).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Financial assets and liabilities designated at fair value</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial liabilities designated at fair value of £22,971m (2021: £16,319m) primarily included new issuances during the year of USD 7,250m, EUR 2,250m Fixed Rate Resetting Senior Callable Notes and USD 400m Zero Coupon Callable Notes. The proceeds raised through these transactions were used to invest in subsidiaries of Barclays PLC and are included within the financial assets designated at fair value through the income statement balance of £28,930m (2021: £25,091m). The effect of changes in the liabilities’ fair value, including those due to credit risk, is expected to offset the changes in the fair value of the related financial asset in the income statement The difference between the financial liabilities’ carrying amount and the contractual amount on maturity is £2,100m (2021: £271m).</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Derivative financial instruments </span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">During the year derivative financial liabilities increased by £863m to £906m (2021: £43m). The increase in the year is primarily driven by the rising rate environment.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Total equity</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#58595b;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Called up share capital and share premium</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Called up share capital and share premium of Barclays PLC is £4,373m (2021: £4,536m). The decrease in the year is primarily due to 931m shares repurchased with a total nominal value of £233m. This decrease was offset by shares issued under employee share schemes.</span></div><div style="margin-bottom:3pt;margin-top:3pt"><span style="color:#151f54;font-family:'Effra Medium',sans-serif;font-size:9pt;font-weight:400;line-height:110%">Other equity instruments</span></div><div style="margin-bottom:3pt"><span style="color:#000000;font-family:'Effra Light',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other equity instruments of £13,250m (2021: £12,241m) comprises AT1 securities issued by Barclays PLC. The AT1 securities are perpetual securities with no fixed maturity and are structured to qualify as AT1 instruments under prevailing capital rules applicable as at the relevant issue date. During the year there were three issuances with principal amounts totalling £1,250m, $2,000m, SGD450m and redemptions with principal amounts totalling £1,000m and $1,500m. For further details, please refer to Note 28.</span></div> |
